Florida Capital Bank, National Association in Jacksonville, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Florida Capital Bank, National Association - Overview

  • General
  • FDIC Certificate #: 26323
    Status: Active
    Federal Reserve ID: 188430
    Bank Holding Company (Regulatory Top Holder): Florida Capital Group, Inc. (RSSDID: 3223828, Location: Jacksonville, FL)
    Date Established: August 12, 1985
    WWW: http://www.flcb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 14 (Domestic: 14, Interstate: No)
    FDIC's unique #: 32826
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 12, 1985
    Last Structure Change Effective Date: October 05, 2007
    Last Structure Change Process Date: November 20, 2007
    Last Data Update: November 20, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 10151 Deerwood Park Boulevard, Bldg 300, Suite 110, Jacksonville, FL 32256
    County: Duval
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Tampa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Jacksonville, FL (#3600)
    Core Based Statistical Area (CBSA): Jacksonville, FL (#27260)
    CBSA Metro Statistical Area: Jacksonville, FL (#27260)
  • History of Changes
  • Participated in Reorganization
    Change in Location
  • Financial Summary
  • Total assets: $799.0 mil
    Equity capital: $27.2 mil
    Deposits held in domestic offices: $724.2 mil
    Return on assets (ROA): -3.68% (-$29.4 mil)
    Quarterly return on assets: -7.53% (-$60.2 mil)
    Return on Equity (ROE): -84.48% (-$22.8 mil)
    Quarterly return on equity: -199.55% (-$53.9 mil)
    Net income: -$31.2 mil
    Quarterly Net income: -$14.6 mil
    Pretax return on assets: -3.68% (-$29,402.8 mil)
    Quarterly Pretax return on assets: -7.52% (-$60,084.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 252Total employees (full-time equivalent)
  • $798,989Total assets
  • $63,963Cash and due from depository institutions
  • $60,283Interest-bearing balances
  • $87,458Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $583,676Net loans & leases
  • $16,212Loan loss allowance
  • $0Trading account assets
  • $3,368Bank premises and fixed assets
  • $32,885Other real estate owned
  • $0Goodwill and other intangibles
  • $798,989Life insurance assets
  • $27,639All other assets
  • $771,779Total liabilities and capital
  • $724,192Total liabilities
  • $666,215Total deposits
  • $724,192Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1008.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $40,000Trading liabilities
  • $0Other borrowed funds
  • $6,579Subordinated debt
  • $27,210All other liabilities
  • $27,210Total equity capital
  • $27,210Total bank equity capital
  • $0Perpetual preferred stock
  • $775Common stock
  • $132,585Surplus
  • $-106,150Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $276,459Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $53,033Income earned, not collected on loans
  • $334Earning assets
  • $2,052Long-term assets (5+ years)
  • $731,417Average Assets, year-to-date
  • $357,451Average Assets, quarterly
  • $847,963Volatile liabilities
  • $775,073Insider loans
  • $467,354FHLB advances
  • $785,277Loans and leases held for sale
  • $8,727Unused loan commitments
  • $8,727Tier 1 (core) risk-based capital
  • $26,521Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,618Restructured Loans and leases
  • $3,484Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,363Total interest income
  • $12,130Total interest expense
  • $15,233Net interest income
  • $21,773Provision for loan and lease losses
  • $17,767Total noninterest income
  • $0Fiduciary activities
  • $429Service charges on deposit accounts
  • $0Trading account gains & fees
  • $17,338Additional noninterest income
  • $45,883Total noninterest expense
  • $18,867Salaries and employee benefits
  • $5,160Premises and equipment expense
  • $21,856Additional noninterest expense
  • -$34,656Pre-tax net operating income
  • $3,459Securities gains (losses)
  • $21Applicable income taxes
  • -$31,218Income before extraordinary items
  • $0Extraordinary gains - net
  • -$31,218Net income attributable to bank
  • $0Net charge-offs
  • -$31,218Cash dividends
  • $20,651Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.50%Yield on earning assets
  • 1.55%Cost of funding earning assets
  • 1.95%Net interest margin
  • 2.27%Noninterest income to earning assets
  • 5.86%Noninterest expense to earning assets
  • -4.09%Net operating income to assets
  • -3.68%Return on assets (ROA)
  • -3.68%Pretax return on assets
  • -84.48%Return on equity (ROE)
  • -84.48%Retained earnings to average equity (YTD only)
  • 3.74%Net charge-offs to loans
  • 105.43%Credit loss provision to net charge-offs
  • -0.62%Efficiency ratio
  • 139,039Assets per employee
  • 3.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.70%Loss allowance to noncurrent loans
  • 30.57%Noncurrent assets plus other real estate owned to assets
  • 10.75%Noncurrent loans to loans
  • 8.84%Net loans and leases to deposits
  • 80.60%Net loans and leases to core deposits
  • 89.45%Equity capital to assets
  • 3.41%Core capital (leverage) ratio
  • 3.38%Tier 1 risk-based capital ratio
  • 5.67%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $847,963Average earning assets
  • $36,955Average equity
  • $782,525Average loans

List of branches

  • 14 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032826Florida Capital Bank, National Association10151 Deerwood Park Boulevard, Bldg 300, Suite 110, Jacksonville, FL 32256August 12, 1985Full Service Brick and Mortar
    1441425Saint Augustine Beach Branch3970 A1a South, Saint Augustine, FL 32080May 09, 2005Full Service Brick and Mortar
    3444351Gainesville Branch5010 Newberry Road, Suite C, Gainesville, FL 32607July 15, 2005Full Service Brick and Mortar
    5448880Tampa Branch501 East Kennedy Boulevard, Tampa, FL 33602January 23, 2006Full Service Brick and Mortar
    7450592St. Augustine Messenger Service Bran1017 A1a Beach Boulevard, Saint Augustine, FL 32080May 09, 2005Limited Service Messenger
    8450593Gainesville Messenger Service Branch5010 West Newberry Road, Suite C, Gainesville, FL 32607July 15, 2005Limited Service Messenger
    12462480Pinellas Park Branch8200 66th Street North, Pinellas Park, FL 33781March 19, 2007Full Service Brick and Mortar
    13465481San Jose Branch10024 San Jose Boulevard, Jacksonville, FL 32257May 29, 2007Full Service Brick and Mortar
    14466764Tampa Westshore Branch4404 W. Kennedy Blvd, Tampa, FL 33609August 21, 2006Full Service Brick and Mortar
    16466766Orlando Branch109 E Church St, Suite 100, Orlando, FL 32801September 18, 2006Limited Service Loan Production
    19467920Daytona Beach Branch1305 Beville Road, Daytona Beach, FL 32119July 16, 2007Full Service Brick and Mortar
    20467950St. Petersburg Branch3637 4th Street North, Saint Petersburg, FL 33704July 18, 2007Full Service Brick and Mortar
    21469156Tarpon Springs Branch710 East Tarpon Avenue, Tarpon Springs, FL 34689October 05, 2007Full Service Brick and Mortar
    22469186Winter Park Branch220 West Fairbanks Avenue, Winter Park, FL 32789October 22, 2007Full Service Brick and Mortar

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