Capital City Second National Bank in Tallahassee, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1995

Capital City Second National Bank in Tallahassee, Florida (FL)
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Capital City Second National Bank - Overview

General
FDIC Certificate #: 19692
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Capital City Bank (#9622)
Federal Reserve ID: 55439
Date Established: March 27, 1967
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Interstate: No)
FDIC's unique #: 13491
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: March 27, 1967
Last Structure Change Effective Date: January 01, 1995
Last Structure Change Process Date: Febuary 24, 1995
Last Data Update: Febuary 24, 1995
Data Source Date: April 05, 2012
Location
Address: 1824 West Tennessee Street, Tallahassee, FL 32304
County: Leon
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): Tallahassee, FL (#8240)
Core Based Statistical Area (CBSA): Tallahassee, FL (#45220)
CBSA Metro Statistical Area: Tallahassee, FL (#45220)
Financial Summary
Total assets: $51.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$30Total assets
$51,137Cash and due from depository institutions
$2,775Interest-bearing balances
$0Securities
$14,682Federal funds sold & reverse repurchase agreements
$2,500Net loans & leases
$29,028Loan loss allowance
$473Trading account assets
$0Bank premises and fixed assets
$1,127Other real estate owned
$81Goodwill and other intangibles
$944Life insurance assets
$0All other assets
$0Total liabilities and capital
$51,137Total liabilities
$45,949Total deposits
$45,766Interest-bearing deposits
$32,917Deposits held in domestic offices
45766.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$183Total equity capital
$183Total bank equity capital
$5,188Perpetual preferred stock
$0Common stock
$315Surplus
$371Undivided profits
Memoranda
$4,502Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$509Income earned, not collected on loans
$149Earning assets
$46,210Long-term assets (5+ years)
$904Average Assets, year-to-date
$52,858Average Assets, quarterly
$51,565Volatile liabilities
$2,923Insider loans
$338FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,294Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,208Total risk weighted assets
$30,515Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$3,438Total interest expense
$1,036Net interest income
$2,402Provision for loan and lease losses
$60Total noninterest income
$862Fiduciary activities
$0Service charges on deposit accounts
$776Trading account gains & fees
$0Additional noninterest income
$86Total noninterest expense
$2,206Salaries and employee benefits
$900Premises and equipment expense
$265Additional noninterest expense
$1,041Pre-tax net operating income
$998Securities gains (losses)
-$25Applicable income taxes
$261Income before extraordinary items
$712Extraordinary gains - net
$0Net income attributable to bank
$712Net charge-offs
$177Cash dividends
$500Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.16%Cost of funding earning assets
2.16%Net interest margin
5.00%Noninterest income to earning assets
1.79%Noninterest expense to earning assets
4.59%Net operating income to assets
1.38%Return on assets (ROA)
1.35%Pretax return on assets
1.84%Return on equity (ROE)
13.83%Retained earnings to average equity (YTD only)
4.12%Net charge-offs to loans
0.60%Credit loss provision to net charge-offs
33.90%Efficiency ratio
67,586Assets per employee
1.70%Cash dividends to net income (YTD only)
Condition Ratios (%)
70.22%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
92.93%Noncurrent assets plus other real estate owned to assets
1.15%Noncurrent loans to loans
1.73%Net loans and leases to deposits
63.43%Net loans and leases to core deposits
67.75%Equity capital to assets
10.15%Core capital (leverage) ratio
9.92%Tier 1 risk-based capital ratio
17.07%Total risk-based capital ratio
Memoranda
$18Average assets
$52,858Average earning assets
$5,148Average equity
$48,030Average loans

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