The Capital Bank in Little Rock, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Capital Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    059070The Capital Bank12224 Chenal Parkway, Little Rock, AR 72211September 08, 1997Full Service Brick and Mortar

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