FDIC Certificate #: 34562 Status: Active Federal Reserve ID: 2594240 Bank Holding Company (Regulatory Top Holder): Capital Bancshares, Inc (RSSDID: 2777016, Location: Little Rock, AR) Date Established: September 08, 1997 WWW:http://www.thecapitalbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 59070 Numeric code: 13 Regulator: FED 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: September 08, 1997 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 12224 Chenal Parkway, Little Rock, AR 72211 County: Pulaski Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Little Rock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Little Rock-North Little Rock, AR (#4400) Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340) Core Based Statistical Area (CBSA): Little Rock-North Little Rock-Conway, AR (#30780) CBSA Metro Statistical Area: Little Rock-North Little Rock-Conway, AR (#30780)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $160.3 mil Equity capital: $18.1 mil Deposits held in domestic offices: $112.5 mil Return on assets (ROA): 0.54% ($0.9 mil) Quarterly return on assets: -0.21% (-$0.3 mil) Return on Equity (ROE): 5.07% ($0.9 mil) Quarterly return on equity: -1.83% (-$0.3 mil) Net income: $0.9 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.61% ($977.7 mil) Quarterly Pretax return on assets: -0.49% (-$785.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$160,276Total assets
$1,093Cash and due from depository institutions
$295Interest-bearing balances
$85,043Securities
$3,200Federal funds sold & reverse repurchase agreements
$57,549Net loans & leases
$1,653Loan loss allowance
$0Trading account assets
$3,984Bank premises and fixed assets
$3,966Other real estate owned
$0Goodwill and other intangibles
$160,276Life insurance assets
$5,441All other assets
$142,149Total liabilities and capital
$112,525Total liabilities
$104,883Total deposits
$112,525Interest-bearing deposits
$69Deposits held in domestic offices
1874.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$27,418Trading liabilities
$0Other borrowed funds
$332Subordinated debt
$18,127All other liabilities
$18,127Total equity capital
$18,127Total bank equity capital
$0Perpetual preferred stock
$320Common stock
$10,357Surplus
$7,450Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$835Income earned, not collected on loans
$0Earning assets
$1,015Long-term assets (5+ years)
$146,087Average Assets, year-to-date
$69,167Average Assets, quarterly
$162,174Volatile liabilities
$159,514Insider loans
$86,281FHLB advances
$156,762Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,121Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$5,915Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,970Total interest income
$2,473Total interest expense
$4,497Net interest income
$271Provision for loan and lease losses
-$117Total noninterest income
$0Fiduciary activities
$154Service charges on deposit accounts
$0Trading account gains & fees
-$271Additional noninterest income
$3,060Total noninterest expense
$1,205Salaries and employee benefits
$313Premises and equipment expense
$1,542Additional noninterest expense
$1,049Pre-tax net operating income
-$58Securities gains (losses)
$119Applicable income taxes
$872Income before extraordinary items
$0Extraordinary gains - net
$872Net income attributable to bank
$0Net charge-offs
$872Cash dividends
$933Sale, conversion, retirement of capital stock, net
$742Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.78%Yield on earning assets
1.69%Cost of funding earning assets
3.08%Net interest margin
-0.08%Noninterest income to earning assets
2.10%Noninterest expense to earning assets
0.57%Net operating income to assets
0.54%Return on assets (ROA)
0.61%Pretax return on assets
5.07%Return on equity (ROE)
0.76%Retained earnings to average equity (YTD only)
1.40%Net charge-offs to loans
29.05%Credit loss provision to net charge-offs
1.41%Efficiency ratio
69,863Assets per employee
12.33%Cash dividends to net income (YTD only)
Condition Ratios (%)
85.09%Loss allowance to loans
2.79%Loss allowance to noncurrent loans
197.96%Noncurrent assets plus other real estate owned to assets
4.89%Noncurrent loans to loans
1.41%Net loans and leases to deposits
51.14%Net loans and leases to core deposits
74.81%Equity capital to assets
11.31%Core capital (leverage) ratio
10.92%Tier 1 risk-based capital ratio
19.84%Total risk-based capital ratio
Memoranda
$21Average assets
$162,174Average earning assets
$17,187Average equity
$145,928Average loans
List of branches
1 Arkansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
59070
The Capital Bank
12224 Chenal Parkway, Little Rock, AR 72211
September 08, 1997
Full Service Brick and Mortar
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