Capital Bank in Fort Oglethorpe, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Capital Bank in Fort Oglethorpe, Georgia (GA)
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Capital Bank routing number info

Capital Bank - Overview

  • General
  • FDIC Certificate #: 19195
    Status: Active
    Federal Reserve ID: 80936
    Bank Holding Company (Regulatory Top Holder): Catoosa Bancshares, Inc. (RSSDID: 1081378, Location: Fort Oglethorpe, GA)
    Date Established: August 07, 1964
    WWW: http://www.capitalbank-ga.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 14472
    FDIC's unique #: 13014
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 07, 1964
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 625 Battlefield Parkway, Fort Oglethorpe, GA 30742
    County: Catoosa
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Chattanooga, TN-GA (#1560)
    Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
    Core Based Statistical Area (CBSA): Chattanooga, TN-GA (#16860)
    CBSA Metro Statistical Area: Chattanooga, TN-GA (#16860)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $120.8 mil
    Equity capital: $9.9 mil
    Deposits held in domestic offices: $104.6 mil
    Return on assets (ROA): 0.45% ($0.5 mil)
    Quarterly return on assets: -0.56% (-$0.7 mil)
    Return on Equity (ROE): 5.79% ($0.6 mil)
    Quarterly return on equity: -6.80% (-$0.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: 0.45% ($543.5 mil)
    Quarterly Pretax return on assets: -0.56% (-$676.3 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
  • 44Total employees (full-time equivalent)
  • $120,767Total assets
  • $7,585Cash and due from depository institutions
  • $3,917Interest-bearing balances
  • $16,673Securities
  • $400Federal funds sold & reverse repurchase agreements
  • $85,173Net loans & leases
  • $1,591Loan loss allowance
  • $0Trading account assets
  • $3,944Bank premises and fixed assets
  • $2,558Other real estate owned
  • $0Goodwill and other intangibles
  • $120,767Life insurance assets
  • $4,434All other assets
  • $110,823Total liabilities and capital
  • $104,614Total liabilities
  • $88,834Total deposits
  • $104,614Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 1474.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $735Subordinated debt
  • $9,944All other liabilities
  • $9,944Total equity capital
  • $9,944Total bank equity capital
  • $0Perpetual preferred stock
  • $348Common stock
  • $10,152Surplus
  • $-556Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,441Income earned, not collected on loans
  • $0Earning assets
  • $431Long-term assets (5+ years)
  • $106,163Average Assets, year-to-date
  • $12,234Average Assets, quarterly
  • $126,063Volatile liabilities
  • $121,815Insider loans
  • $90,946FHLB advances
  • $122,364Loans and leases held for sale
  • $2,777Unused loan commitments
  • $1,114Tier 1 (core) risk-based capital
  • $9,574Tier 2 risk-based capital
  • $639Total risk weighted assets
  • $1,024Total unused commitments
  • $8,245Restructured Loans and leases
  • $596Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,367Total interest income
  • $1,226Total interest expense
  • $5,141Net interest income
  • $510Provision for loan and lease losses
  • $1,020Total noninterest income
  • $0Fiduciary activities
  • $787Service charges on deposit accounts
  • $0Trading account gains & fees
  • $233Additional noninterest income
  • $5,089Total noninterest expense
  • $2,428Salaries and employee benefits
  • $706Premises and equipment expense
  • $1,955Additional noninterest expense
  • $562Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $562Income before extraordinary items
  • $0Extraordinary gains - net
  • $562Net income attributable to bank
  • $0Net charge-offs
  • $562Cash dividends
  • $593Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.70%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 4.61%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 4.56%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.45%Pretax return on assets
  • 5.79%Return on equity (ROE)
  • 5.79%Retained earnings to average equity (YTD only)
  • 0.66%Net charge-offs to loans
  • 86.00%Credit loss provision to net charge-offs
  • 1.81%Efficiency ratio
  • 82,600Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 110.41%Noncurrent assets plus other real estate owned to assets
  • 3.31%Noncurrent loans to loans
  • 1.66%Net loans and leases to deposits
  • 81.42%Net loans and leases to core deposits
  • 83.10%Equity capital to assets
  • 8.23%Core capital (leverage) ratio
  • 7.82%Tier 1 risk-based capital ratio
  • 10.53%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $126,063Average earning assets
  • $9,713Average equity
  • $111,619Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    013014Capital Bank625 Battlefield Parkway, Fort Oglethorpe, GA 30742August 07, 1964Full Service Brick and Mortar
    3247586Ringgold Branch6345 Hwy 41, Ringgold, GA 30736May 05, 1986Full Service Brick and Mortar
    4447299Chickamauga Branch13309 N. Highway 27, Chickamauga, GA 30707Febuary 01, 2006Full Service Brick and Mortar

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