The First Capital Bank of Kentucky in Louisville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First Capital Bank of Kentucky - Overview

  • General
  • FDIC Certificate #: 34125
    Status: Active
    Federal Reserve ID: 2399119
    Bank Holding Company (Regulatory Top Holder): Fcb Bancorp, Inc. (RSSDID: 2900355, Location: Louisville, KY)
    Date Established: Febuary 06, 1996
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 14769
    FDIC's unique #: 56268
    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: Febuary 06, 1996
    Last Structure Change Effective Date: August 25, 2008
    Last Structure Change Process Date: August 26, 2008
    Last Data Update: August 26, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 293 North Hubbards Lane, Louisville, KY 40207
    County: Jefferson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $462.7 mil
    Equity capital: $41.6 mil
    Deposits held in domestic offices: $354.1 mil
    Return on assets (ROA): 0.55% ($2.5 mil)
    Quarterly return on assets: 0.38% ($1.8 mil)
    Return on Equity (ROE): 6.10% ($2.6 mil)
    Quarterly return on equity: 4.25% ($1.8 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.69% ($3,192.8 mil)
    Quarterly Pretax return on assets: 0.47% ($2,174.8 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
  • 83Total employees (full-time equivalent)
  • $462,726Total assets
  • $65,914Cash and due from depository institutions
  • $60,794Interest-bearing balances
  • $70,831Securities
  • $196Federal funds sold & reverse repurchase agreements
  • $297,556Net loans & leases
  • $3,400Loan loss allowance
  • $0Trading account assets
  • $11,624Bank premises and fixed assets
  • $2,138Other real estate owned
  • $0Goodwill and other intangibles
  • $462,726Life insurance assets
  • $14,467All other assets
  • $421,084Total liabilities and capital
  • $354,115Total liabilities
  • $322,634Total deposits
  • $354,115Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 761.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $62,747Trading liabilities
  • $0Other borrowed funds
  • $3,461Subordinated debt
  • $41,642All other liabilities
  • $41,642Total equity capital
  • $41,642Total bank equity capital
  • $0Perpetual preferred stock
  • $1,678Common stock
  • $31,324Surplus
  • $8,640Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,135Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,409Income earned, not collected on loans
  • $0Earning assets
  • $1,237Long-term assets (5+ years)
  • $429,377Average Assets, year-to-date
  • $150,479Average Assets, quarterly
  • $448,066Volatile liabilities
  • $460,408Insider loans
  • $318,155FHLB advances
  • $462,263Loans and leases held for sale
  • $5,377Unused loan commitments
  • $5,377Tier 1 (core) risk-based capital
  • $41,127Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $41,367Restructured Loans and leases
  • $9,832Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,107Total interest income
  • $6,132Total interest expense
  • $12,975Net interest income
  • $1,218Provision for loan and lease losses
  • $1,424Total noninterest income
  • $0Fiduciary activities
  • $485Service charges on deposit accounts
  • $0Trading account gains & fees
  • $939Additional noninterest income
  • $10,778Total noninterest expense
  • $4,868Salaries and employee benefits
  • $1,883Premises and equipment expense
  • $4,027Additional noninterest expense
  • $2,403Pre-tax net operating income
  • $697Securities gains (losses)
  • $651Applicable income taxes
  • $2,449Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,449Net income attributable to bank
  • $0Net charge-offs
  • $2,449Cash dividends
  • $918Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 1.48%Cost of funding earning assets
  • 3.12%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.60%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 6.10%Return on equity (ROE)
  • 2.36%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 132.68%Credit loss provision to net charge-offs
  • 3.94%Efficiency ratio
  • 74,852Assets per employee
  • 5.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.25%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 45.89%Noncurrent assets plus other real estate owned to assets
  • 2.06%Noncurrent loans to loans
  • 2.46%Net loans and leases to deposits
  • 84.03%Net loans and leases to core deposits
  • 87.21%Equity capital to assets
  • 9.00%Core capital (leverage) ratio
  • 8.90%Tier 1 risk-based capital ratio
  • 12.93%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $448,066Average earning assets
  • $40,134Average equity
  • $415,252Average loans

List of branches

  • 8 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056268The First Capital Bank Of Kentucky293 North Hubbards Lane, Louisville, KY 40207Febuary 06, 1996Full Service Brick and Mortar
    1432654Fern Creek Branch6512 Bardstown Road, Louisville, KY 40291September 15, 2004Full Service Brick and Mortar
    2457837Strathmoor Branch2735 Bardstown Road, Louisville, KY 40205December 04, 2006Full Service Brick and Mortar
    3469125Louisville Mobile Branch293 North Hubbards Lane, Louisville, KY 40207September 07, 2007Limited Service Mobile
    4469177Frankfort Avenue Branch2862 Frankfort Avenue, Louisville, KY 40206November 15, 2007Full Service Brick and Mortar
    5481557Woodlawn Center Branch295 North Hubbards Lane, Louisville, KY 40207October 15, 2008Full Service Brick and Mortar
    6487509Middletown Branch13704 Shelbyville Road, Louisville, KY 40245January 12, 2009Full Service Brick and Mortar
    7521963Oak Street Facility211 West Oak Street, Louisville, KY 40203July 19, 2011

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