The First Capital Bank of Kentucky in Louisville, Kentucky (KY)

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The First Capital Bank of Kentucky routing number info

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The First Capital Bank of Kentucky
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)83
Total assets$462,726
Cash and due from depository institutions$65,914
Interest-bearing balances$60,794
Federal funds sold & reverse repurchase agreements$196
Net loans & leases$297,556
Loan loss allowance $3,400
Trading account assets$0
Bank premises and fixed assets$11,624
Other real estate owned$2,138
Goodwill and other intangibles$0
All other assets$14,467
Life insurance assets$462,726
Total liabilities and capital$421,084
Total liabilities$354,115
Total deposits$322,634
Interest-bearing deposits$354,115
Deposits held in domestic offices$83
% insured (estimated)761.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$62,747
Other borrowed funds $0
Subordinated debt $3,461
All other liabilities $41,642
Total equity capital$41,642
Total bank equity capital$41,642
Perpetual preferred stock$0
Common stock$1,678
Undivided profits $8,640
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $5,135
Income earned, not collected on loans $7,409
Earning assets $0
Long-term assets (5+ years) $1,237
Average Assets, year-to-date $429,377
Average Assets, quarterly $150,479
Volatile liabilities $448,066
Insider loans $460,408
FHLB advances $318,155
Loans and leases held for sale $462,263
Unused loan commitments $5,377
Tier 1 (core) risk-based capital $5,377
Tier 2 risk-based capital $41,127
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $41,367
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $19,107
Total interest expense $6,132
Net interest income $12,975
Provision for loan and lease losses $1,218
Total noninterest income $1,424
Fiduciary activities $0
Service charges on deposit accounts $485
Trading account gains & fees $0
Additional noninterest income $939
Total noninterest expense $10,778
Salaries and employee benefits $4,868
Premises and equipment expense $1,883
Additional noninterest expense $4,027
Pre-tax net operating income $2,403
Securities gains (losses) $697
Applicable income taxes $651
Income before extraordinary items $2,449
Extraordinary gains - net $0
Net income attributable to bank $2,449
Net charge-offs $0
Cash dividends $2,449
Sale, conversion, retirement of capital stock, net $918
Net operating income $1,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.60%
Cost of funding earning assets 1.48%
Net interest margin 3.12%
Noninterest income to earning assets 0.34%
Noninterest expense to earning assets 2.60%
Net operating income to assets 0.42%
Return on assets (ROA) 0.55%
Pretax return on assets 0.69%
Return on equity (ROE) 6.10%
Retained earnings to average equity (YTD only) 2.36%
Net charge-offs to loans 0.30%
Credit loss provision to net charge-offs 132.68%
Efficiency ratio3.94%
Assets per employee$74,852
Cash dividends to net income (YTD only)5.58%
Condition Ratios (%)
Loss allowance to loans 61.25%
Loss allowance to noncurrent loans 1.13%
Noncurrent assets plus other real estate owned to assets 45.89%
Noncurrent loans to loans 2.06%
Net loans and leases to deposits2.46%
Net loans and leases to core deposits 84.03%
Equity capital to assets 87.21%
Core capital (leverage) ratio 9.00%
Tier 1 risk-based capital ratio 8.90%
Total risk-based capital ratio 12.93%
Average assets$14
Average earning assets$448,066
Average equity $40,134
Average loans $415,252
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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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