FDIC Certificate #: 31581 Status: Inactive Closing history: Absorption - Assisted Acquiring institution:Capital Bank, National Association (#35278) Federal Reserve ID: 496377 Date Established: January 01, 1917 Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 7212 FDIC's unique #: 44415 Numeric code: 38 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: 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: Mortgage Lending Specialization Date of Deposit Insurance: December 17, 1970 Last Structure Change Effective Date: January 20, 2012 Last Structure Change Process Date: January 23, 2012 Last Data Update: January 23, 2012 Data Source Date: April 05, 2012
Location
Address: 3915 Chichester Avenue, Boothwyn, PA 19061 County: Delaware Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Philadelphia Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160) Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77) Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428) Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980) CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980) Core Based Statistical Division: Philadelphia, PA (#37964)
Financial Summary
Total assets: $19.3 mil Equity capital: -$0.0 mil Deposits held in domestic offices: $17.5 mil Return on assets (ROA): -2.49% (-$0.5 mil) Quarterly return on assets: -2.28% (-$0.4 mil) Return on Equity (ROE): -190.65% ($0.0 mil) Quarterly return on equity: -699.21% ($0.0 mil) Net income: -$0.5 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -2.49% (-$479.5 mil) Quarterly Pretax return on assets: -2.28% (-$439.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
3Total employees (full-time equivalent)
$19,259Total assets
$4,784Cash and due from depository institutions
$4,655Interest-bearing balances
$3,017Securities
$0Federal funds sold & reverse repurchase agreements
$9,889Net loans & leases
$30Loan loss allowance
$0Trading account assets
$1,033Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$19,259Life insurance assets
$536All other assets
$19,268Total liabilities and capital
$17,548Total liabilities
$16,908Total deposits
$17,548Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,720Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$-9All other liabilities
$-9Total equity capital
$-9Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$-9Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$11Long-term assets (5+ years)
$17,561Average Assets, year-to-date
$0Average Assets, quarterly
$20,673Volatile liabilities
$19,435Insider loans
$9,417FHLB advances
$19,529Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$261Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$761Total interest income
$185Total interest expense
$576Net interest income
$0Provision for loan and lease losses
$17Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$17Additional noninterest income
$997Total noninterest expense
$534Salaries and employee benefits
$163Premises and equipment expense
$300Additional noninterest expense
-$404Pre-tax net operating income
-$110Securities gains (losses)
$0Applicable income taxes
-$514Income before extraordinary items
$0Extraordinary gains - net
-$514Net income attributable to bank
$0Net charge-offs
-$514Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.04%Yield on earning assets
0.98%Cost of funding earning assets
3.06%Net interest margin
0.09%Noninterest income to earning assets
5.30%Noninterest expense to earning assets
-1.95%Net operating income to assets
-2.49%Return on assets (ROA)
-2.49%Pretax return on assets
-190.65%Return on equity (ROE)
-190.65%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
168,128Assets per employee
6.42%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.30%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
56.35%Net loans and leases to core deposits
56.35%Equity capital to assets
-0.05%Core capital (leverage) ratio
1.34%Tier 1 risk-based capital ratio
2.77%Total risk-based capital ratio
Memoranda
$3Average assets
$20,673Average earning assets
$270Average equity
$18,815Average loans
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