First Capital Bank in Germantown, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Capital Bank in Germantown, Tennessee (TN)
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First Capital Bank - Overview

  • General
  • FDIC Certificate #: 57552
    Status: Active
    Federal Reserve ID: 3177426
    Bank Holding Company (Regulatory Top Holder): Germantown Capital Corporation, Inc. (RSSDID: 3684746, Location: Germantown, TN)
    Date Established: May 19, 2003
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 365471
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 19, 2003
    Last Structure Change Effective Date: May 04, 2007
    Last Structure Change Process Date: May 07, 2007
    Last Data Update: May 07, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 7575 Poplar Avenue, Germantown, TN 38138
    County: Shelby
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Memphis, TN-AR-MS (#4920)
    Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820)
    CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820)
  • Financial Summary
  • Total assets: $180.9 mil
    Equity capital: $24.0 mil
    Deposits held in domestic offices: $136.4 mil
    Return on assets (ROA): 0.56% ($1.0 mil)
    Quarterly return on assets: 0.57% ($1.0 mil)
    Return on Equity (ROE): 4.24% ($1.0 mil)
    Quarterly return on equity: 4.30% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.56% ($1,013.1 mil)
    Quarterly Pretax return on assets: 0.57% ($1,031.2 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)
  • $180,909Total assets
  • $622Cash and due from depository institutions
  • $0Interest-bearing balances
  • $23,770Securities
  • $8,222Federal funds sold & reverse repurchase agreements
  • $137,774Net loans & leases
  • $2,688Loan loss allowance
  • $0Trading account assets
  • $4,053Bank premises and fixed assets
  • $3,750Other real estate owned
  • $0Goodwill and other intangibles
  • $180,908Life insurance assets
  • $2,718All other assets
  • $156,894Total liabilities and capital
  • $136,392Total liabilities
  • $130,650Total deposits
  • $136,392Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $502Subordinated debt
  • $24,014All other liabilities
  • $24,014Total equity capital
  • $24,014Total bank equity capital
  • $0Perpetual preferred stock
  • $1,607Common stock
  • $25,144Surplus
  • $-2,737Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,816Income earned, not collected on loans
  • $0Earning assets
  • $619Long-term assets (5+ years)
  • $169,766Average Assets, year-to-date
  • $25,035Average Assets, quarterly
  • $179,717Volatile liabilities
  • $182,315Insider loans
  • $146,693FHLB advances
  • $184,909Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $23,815Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,928Restructured Loans and leases
  • $6,462Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,368Total interest income
  • $2,518Total interest expense
  • $5,850Net interest income
  • $1,117Provision for loan and lease losses
  • -$35Total noninterest income
  • $0Fiduciary activities
  • $27Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$62Additional noninterest income
  • $4,027Total noninterest expense
  • $2,128Salaries and employee benefits
  • $635Premises and equipment expense
  • $1,264Additional noninterest expense
  • $671Pre-tax net operating income
  • $334Securities gains (losses)
  • $0Applicable income taxes
  • $1,005Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,005Net income attributable to bank
  • $0Net charge-offs
  • $1,005Cash dividends
  • $1,434Sale, conversion, retirement of capital stock, net
  • $572Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 1.48%Cost of funding earning assets
  • 3.45%Net interest margin
  • -0.02%Noninterest income to earning assets
  • 2.37%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.56%Pretax return on assets
  • 4.24%Return on equity (ROE)
  • 1.83%Retained earnings to average equity (YTD only)
  • 1.03%Net charge-offs to loans
  • 77.89%Credit loss provision to net charge-offs
  • 1.25%Efficiency ratio
  • 69,252Assets per employee
  • 7.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.92%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 55.81%Noncurrent assets plus other real estate owned to assets
  • 4.73%Noncurrent loans to loans
  • 3.43%Net loans and leases to deposits
  • 101.01%Net loans and leases to core deposits
  • 112.54%Equity capital to assets
  • 13.27%Core capital (leverage) ratio
  • 12.88%Tier 1 risk-based capital ratio
  • 16.23%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $179,717Average earning assets
  • $23,692Average equity
  • $169,580Average loans

List of branches

  • 2 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0365471First Capital Bank7575 Poplar Avenue, Germantown, TN 38138May 19, 2003Full Service Brick and Mortar
    1494844Oak Court Branch555 Perkins Road, Memphis, TN 38117September 15, 2009Full Service Brick and Mortar

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