FDIC Certificate #: 58386 Status: Active Federal Reserve ID: 3452310 Date Established: August 01, 2006 WWW:http://www.capstonebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 449876 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: August 01, 2006 Last Structure Change Effective Date: August 01, 2006 Last Structure Change Process Date: August 02, 2006 Last Data Update: August 02, 2006 Data Source Date: April 05, 2012
Location
Address: 4505 Falls Of The Neuse Road, Suite 150, Raleigh, NC 27609 County: Wake Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Raleigh Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Raleigh-Durham-Chapel Hill, NC (#6640) Combined Statistical Area (CSA): Raleigh-Durham-Cary, NC (#450) Core Based Statistical Area (CBSA): Raleigh-Cary, NC (#39580) CBSA Metro Statistical Area: Raleigh-Cary, NC (#39580)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
New Institution
Financial Summary
Total assets: $216.1 mil Equity capital: $28.0 mil Deposits held in domestic offices: $151.5 mil Return on assets (ROA): 0.32% ($0.7 mil) Quarterly return on assets: -0.77% (-$1.7 mil) Return on Equity (ROE): 2.45% ($0.7 mil) Quarterly return on equity: -5.98% (-$1.7 mil) Net income: $0.7 mil Quarterly Net income: -$0.4 mil Pretax return on assets: 0.42% ($907.5 mil) Quarterly Pretax return on assets: -1.39% (-$3,003.3 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
22Total employees (full-time equivalent)
$216,064Total assets
$20,651Cash and due from depository institutions
$18,359Interest-bearing balances
$43,840Securities
$0Federal funds sold & reverse repurchase agreements
$143,361Net loans & leases
$4,183Loan loss allowance
$0Trading account assets
$147Bank premises and fixed assets
$186Other real estate owned
$0Goodwill and other intangibles
$216,064Life insurance assets
$7,879All other assets
$188,030Total liabilities and capital
$151,461Total liabilities
$131,199Total deposits
$151,461Interest-bearing deposits
$67Deposits held in domestic offices
3449.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$31,750Trading liabilities
$0Other borrowed funds
$1,370Subordinated debt
$28,034All other liabilities
$28,034Total equity capital
$28,034Total bank equity capital
$0Perpetual preferred stock
$12,974Common stock
$11,623Surplus
$3,437Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,783Income earned, not collected on loans
$0Earning assets
$716Long-term assets (5+ years)
$205,560Average Assets, year-to-date
$57,801Average Assets, quarterly
$208,057Volatile liabilities
$218,773Insider loans
$152,957FHLB advances
$216,587Loans and leases held for sale
$3,204Unused loan commitments
$0Tier 1 (core) risk-based capital
$26,807Tier 2 risk-based capital
$0Total risk weighted assets
$3,204Total unused commitments
$22,306Restructured Loans and leases
$7,725Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$9,716Total interest income
$1,611Total interest expense
$8,105Net interest income
$2,379Provision for loan and lease losses
$148Total noninterest income
$0Fiduciary activities
$45Service charges on deposit accounts
$0Trading account gains & fees
$103Additional noninterest income
$5,115Total noninterest expense
$3,340Salaries and employee benefits
$396Premises and equipment expense
$1,379Additional noninterest expense
$759Pre-tax net operating income
$121Securities gains (losses)
$204Applicable income taxes
$676Income before extraordinary items
$0Extraordinary gains - net
$676Net income attributable to bank
$0Net charge-offs
$676Cash dividends
$1,219Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.95%Yield on earning assets
0.82%Cost of funding earning assets
4.13%Net interest margin
0.08%Noninterest income to earning assets
2.61%Noninterest expense to earning assets
0.28%Net operating income to assets
0.32%Return on assets (ROA)
0.42%Pretax return on assets
2.45%Return on equity (ROE)
2.45%Retained earnings to average equity (YTD only)
0.87%Net charge-offs to loans
195.16%Credit loss provision to net charge-offs
2.57%Efficiency ratio
61,977Assets per employee
9.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.84%Loss allowance to noncurrent loans
72.33%Noncurrent assets plus other real estate owned to assets
2.76%Noncurrent loans to loans
3.92%Net loans and leases to deposits
94.65%Net loans and leases to core deposits
115.04%Equity capital to assets
12.97%Core capital (leverage) ratio
12.38%Tier 1 risk-based capital ratio
17.53%Total risk-based capital ratio
Memoranda
$19Average assets
$208,057Average earning assets
$27,573Average equity
$196,336Average loans
List of branches
1 North Carolina Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
449876
Capstone Bank
4505 Falls Of The Neuse Road, Suite 150, Raleigh, NC 27609
August 01, 2006
Full Service Brick and Mortar
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