The National Capital Bank of Washington in Washington, District Of Columbia (DC)

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The National Capital Bank of Washington
GeneralFDIC Certificate #: 2093
Status: Active
Federal Reserve ID: 791821
Date Established: August 30, 1889
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 1380
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 30, 2006
Last Structure Change Process Date: October 30, 2006
Last Data Update: October 30, 2006
Data Source Date: April 05, 2012
LocationAddress: 316 Pennsylvania Avenue, S.E., Washington, DC 20003
County: District Of Columbia
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Baltimore
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Washington, DC-MD-VA-WV (#8840)
Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
Core Based Statistical Area (CBSA): Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
CBSA Metro Statistical Area: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
Core Based Statistical Division: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47894)
History of ChangesCorrections
Financial SummaryTotal assets: $368.5 mil
Equity capital: $40.0 mil
Deposits held in domestic offices: $311.7 mil
Return on assets (ROA): 1.18% ($4.4 mil)
Quarterly return on assets: 1.07% ($3.9 mil)
Return on Equity (ROE): 10.76% ($4.3 mil)
Quarterly return on equity: 9.69% ($3.9 mil)
Net income: $4.1 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.96% ($7,223.0 mil)
Quarterly Pretax return on assets: 1.77% ($6,522.8 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)47
Total assets$368,522
Cash and due from depository institutions$23,712
Interest-bearing balances$17,780
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$256,822
Loan loss allowance $1,927
Trading account assets$0
Bank premises and fixed assets$2,625
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,805
Life insurance assets$368,522
Total liabilities and capital$328,493
Total liabilities$311,731
Total deposits$174,473
Interest-bearing deposits$311,731
Deposits held in domestic offices$77
% insured (estimated)16449.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $313
All other liabilities $40,029
Total equity capital$40,029
Total bank equity capital$40,029
Perpetual preferred stock$0
Common stock$360
Undivided profits $38,231
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $901
Average Assets, year-to-date $358,160
Average Assets, quarterly $185,811
Volatile liabilities $349,231
Insider loans $359,079
FHLB advances $208,103
Loans and leases held for sale $360,577
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $39,499
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $62,784
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,280
Total interest expense $1,168
Net interest income $13,112
Provision for loan and lease losses $428
Total noninterest income $1,429
Fiduciary activities $0
Service charges on deposit accounts $428
Trading account gains & fees $0
Additional noninterest income $1,001
Total noninterest expense $7,253
Salaries and employee benefits $4,607
Premises and equipment expense -$279
Additional noninterest expense $2,925
Pre-tax net operating income $6,860
Securities gains (losses) $0
Applicable income taxes $2,727
Income before extraordinary items $4,133
Extraordinary gains - net $0
Net income attributable to bank $4,133
Net charge-offs $0
Cash dividends $4,133
Sale, conversion, retirement of capital stock, net $1
Net operating income $1,933
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.20%
Cost of funding earning assets 0.34%
Net interest margin 3.86%
Noninterest income to earning assets 0.42%
Noninterest expense to earning assets 2.13%
Net operating income to assets 1.18%
Return on assets (ROA) 1.18%
Pretax return on assets 1.96%
Return on equity (ROE) 10.76%
Retained earnings to average equity (YTD only) 5.73%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 42800.00%
Efficiency ratio7288.00%
Assets per employee$49,880
Cash dividends to net income (YTD only)7.84%
Condition Ratios (%)
Loss allowance to loans 46.77%
Loss allowance to noncurrent loans 0.74%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 82.39%
Equity capital to assets 91.15%
Core capital (leverage) ratio 10.86%
Tier 1 risk-based capital ratio 10.95%
Total risk-based capital ratio 18.98%
Average assets$20
Average earning assets$349,231
Average equity $38,428
Average loans $339,795
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2 District Of Columbia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01380The National Capital Bank Of Washing316 Pennsylvania Avenue, S.E., Washington, DC 20003August 30, 1889Full Service Brick and Mortar
2360635Friendship Heights Branch5228 44th Street, Nw, Washington, DC 20015October 06, 1997Full Service Brick and Mortar
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