First Capital Bank in Bennettsville, South Carolina (SC), NC
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Capital Bank in Bennettsville, South Carolina (SC), NC
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First Capital Bank - Overview

  • General
  • FDIC Certificate #: 34966
    Status: Active
    Federal Reserve ID: 2849463
    Date Established: September 27, 1999
    WWW: http://www.fcbcarolinas.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: Yes)
    OTS Docket #: 15575
    FDIC's unique #: 62140
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 27, 1999
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 207 Highway 15-401 By-Pass East, Bennettsville, SC 29512
    County: Marlboro
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Columbia Sc
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Bennettsville, SC (#13500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $62.0 mil
    Equity capital: $6.8 mil
    Deposits held in domestic offices: $55.0 mil
    Return on assets (ROA): 0.20% ($0.1 mil)
    Quarterly return on assets: 0.72% ($0.4 mil)
    Return on Equity (ROE): 1.89% ($0.1 mil)
    Quarterly return on equity: 6.66% ($0.5 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.34% ($210.7 mil)
    Quarterly Pretax return on assets: 1.20% ($743.5 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 24Total employees (full-time equivalent)
  • $61,959Total assets
  • $1,717Cash and due from depository institutions
  • $158Interest-bearing balances
  • $22Securities
  • $4,474Federal funds sold & reverse repurchase agreements
  • $52,687Net loans & leases
  • $1,069Loan loss allowance
  • $0Trading account assets
  • $149Bank premises and fixed assets
  • $1,555Other real estate owned
  • $0Goodwill and other intangibles
  • $61,959Life insurance assets
  • $1,355All other assets
  • $55,173Total liabilities and capital
  • $55,014Total liabilities
  • $52,423Total deposits
  • $55,014Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $159Subordinated debt
  • $6,786All other liabilities
  • $6,786Total equity capital
  • $6,786Total bank equity capital
  • $0Perpetual preferred stock
  • $2,328Common stock
  • $2,438Surplus
  • $2,020Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $974Income earned, not collected on loans
  • $0Earning assets
  • $318Long-term assets (5+ years)
  • $57,341Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $62,895Volatile liabilities
  • $62,373Insider loans
  • $46,863FHLB advances
  • $61,959Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,786Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,033Restructured Loans and leases
  • $2,560Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,033Total interest income
  • $845Total interest expense
  • $3,188Net interest income
  • $1,145Provision for loan and lease losses
  • $355Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $355Additional noninterest income
  • $2,184Total noninterest expense
  • $1,232Salaries and employee benefits
  • $513Premises and equipment expense
  • $439Additional noninterest expense
  • $214Pre-tax net operating income
  • $0Securities gains (losses)
  • $86Applicable income taxes
  • $128Income before extraordinary items
  • $0Extraordinary gains - net
  • $128Net income attributable to bank
  • $0Net charge-offs
  • $128Cash dividends
  • $887Sale, conversion, retirement of capital stock, net
  • $51Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.92%Yield on earning assets
  • 1.45%Cost of funding earning assets
  • 5.47%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 3.75%Noninterest expense to earning assets
  • 0.20%Net operating income to assets
  • 0.20%Return on assets (ROA)
  • 0.34%Pretax return on assets
  • 1.89%Return on equity (ROE)
  • 1.13%Retained earnings to average equity (YTD only)
  • 1.58%Net charge-offs to loans
  • 129.09%Credit loss provision to net charge-offs
  • 1.53%Efficiency ratio
  • 61,643Assets per employee
  • 2.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.84%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 109.75%Noncurrent assets plus other real estate owned to assets
  • 4.08%Noncurrent loans to loans
  • 1.81%Net loans and leases to deposits
  • 95.77%Net loans and leases to core deposits
  • 130.93%Equity capital to assets
  • 10.95%Core capital (leverage) ratio
  • 10.95%Tier 1 risk-based capital ratio
  • 14.48%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $62,895Average earning assets
  • $6,786Average equity
  • $58,284Average loans

List of branches

  • 1 North Carolina Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1359307909 South Main Street Branch909 South Main Street, Laurinburg, NC 28352January 17, 2001Full Service Brick and Mortar
  • 1 South Carolina Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    062140First Capital Bank207 Highway 15-401 By-Pass East, Bennettsville, SC 29512September 27, 1999Full Service Brick and Mortar

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