FDIC Certificate #: 3550 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Capital City Bank (#9622) Federal Reserve ID: 294331 Date Established: January 01, 1908 WWW:http://www.fnba.net Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 8 (Interstate: No) FDIC's unique #: 2244 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 21, 2005 Last Structure Change Process Date: June 01, 2005 Last Data Update: June 01, 2005 Data Source Date: April 05, 2012
Location
Address: Highway 441 And N.E. 1st Street, Alachua, FL 32615 County: Alachua Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Gainesville Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Gainesville, FL (#2900) Core Based Statistical Area (CBSA): Gainesville, FL (#23540) CBSA Metro Statistical Area: Gainesville, FL (#23540)
Financial Summary
Total assets: $230.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
99Total employees (full-time equivalent)
$231,778Total assets
$12,079Cash and due from depository institutions
$2,269Interest-bearing balances
$36,481Securities
$57,457Federal funds sold & reverse repurchase agreements
$118,793Net loans & leases
$1,912Loan loss allowance
$0Trading account assets
$3,748Bank premises and fixed assets
$0Other real estate owned
$1,093Goodwill and other intangibles
$0Life insurance assets
$2,127All other assets
$231,778Total liabilities and capital
$206,386Total liabilities
$205,447Total deposits
$157,359Interest-bearing deposits
$205,447Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$939All other liabilities
$25,392Total equity capital
$25,392Total bank equity capital
$25,392Perpetual preferred stock
$0Common stock
$400Surplus
$1,600Undivided profits
Memoranda
$23,392Noncurrent loans and leases
$24,033Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,455Earning assets
$0Long-term assets (5+ years)
$1,056Average Assets, year-to-date
$215,000Average Assets, quarterly
$19,129Volatile liabilities
$228,870Insider loans
$230,498FHLB advances
$33,883Loans and leases held for sale
$4,031Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$24,033Total unused commitments
$0Restructured Loans and leases
$1,812Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$11,145Total interest income
$2,721Total interest expense
$8,424Net interest income
$0Provision for loan and lease losses
$1,895Total noninterest income
$0Fiduciary activities
$1,193Service charges on deposit accounts
$0Trading account gains & fees
$702Additional noninterest income
$6,280Total noninterest expense
$3,760Salaries and employee benefits
$856Premises and equipment expense
$1,664Additional noninterest expense
$4,039Pre-tax net operating income
$2Securities gains (losses)
$1,467Applicable income taxes
$2,574Income before extraordinary items
$0Extraordinary gains - net
$2,574Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$15Sale, conversion, retirement of capital stock, net
$36Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.31%Yield on earning assets
1.30%Cost of funding earning assets
4.01%Net interest margin
0.90%Noninterest income to earning assets
2.99%Noninterest expense to earning assets
1.12%Net operating income to assets
1.12%Return on assets (ROA)
1.77%Pretax return on assets
10.69%Return on equity (ROE)
10.55%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
269.27%Efficiency ratio
59,376Assets per employee
2.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
1.40%Loss allowance to loans
1.58%Loss allowance to noncurrent loans
77.88%Noncurrent assets plus other real estate owned to assets
1.06%Noncurrent loans to loans
2.03%Net loans and leases to deposits
57.82%Net loans and leases to core deposits
69.24%Equity capital to assets
10.96%Core capital (leverage) ratio
10.56%Tier 1 risk-based capital ratio
16.77%Total risk-based capital ratio
Memoranda
$18Average assets
$228,870Average earning assets
$24,068Average equity
$210,069Average loans
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