FDIC Certificate #: 34784 Status: Active Federal Reserve ID: 2756730 Bank Holding Company (Regulatory Top Holder): Capital Bancorp, Inc. (RSSDID: 2757111, Location: Delhi, LA) Date Established: Febuary 22, 1999 WWW:http://www.comcapbank.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 #: 61558 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: Febuary 22, 1999 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: 311 Broadway, Delhi, LA 71232 County: Richland Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Shreveport Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $49.5 mil Equity capital: $5.1 mil Deposits held in domestic offices: $44.4 mil Return on assets (ROA): 2.16% ($1.1 mil) Quarterly return on assets: 0.92% ($0.5 mil) Return on Equity (ROE): 19.35% ($1.0 mil) Quarterly return on equity: 8.65% ($0.4 mil) Net income: $1.0 mil Quarterly Net income: $0.1 mil Pretax return on assets: 2.16% ($1,069.8 mil) Quarterly Pretax return on assets: 0.92% ($455.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$49,527Total assets
$15,252Cash and due from depository institutions
$14,105Interest-bearing balances
$6,983Securities
$500Federal funds sold & reverse repurchase agreements
$25,213Net loans & leases
$381Loan loss allowance
$0Trading account assets
$648Bank premises and fixed assets
$38Other real estate owned
$0Goodwill and other intangibles
$49,528Life insurance assets
$893All other assets
$44,456Total liabilities and capital
$44,399Total liabilities
$36,662Total deposits
$44,399Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$57Subordinated debt
$5,072All other liabilities
$5,072Total equity capital
$5,072Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$3,441Surplus
$1,031Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$147Income earned, not collected on loans
$141Earning assets
$473Long-term assets (5+ years)
$46,801Average Assets, year-to-date
$7,820Average Assets, quarterly
$44,996Volatile liabilities
$49,665Insider loans
$27,008FHLB advances
$50,403Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,072Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,893Restructured Loans and leases
$253Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,390Total interest income
$305Total interest expense
$2,085Net interest income
$4Provision for loan and lease losses
$332Total noninterest income
$0Fiduciary activities
$290Service charges on deposit accounts
$0Trading account gains & fees
$42Additional noninterest income
$1,440Total noninterest expense
$746Salaries and employee benefits
$124Premises and equipment expense
$570Additional noninterest expense
$973Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$973Income before extraordinary items
$0Extraordinary gains - net
$973Net income attributable to bank
$0Net charge-offs
$973Cash dividends
$137Sale, conversion, retirement of capital stock, net
$514Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.65%Yield on earning assets
0.72%Cost of funding earning assets
4.93%Net interest margin
0.78%Noninterest income to earning assets
3.40%Noninterest expense to earning assets
2.16%Net operating income to assets
2.16%Return on assets (ROA)
2.16%Pretax return on assets
19.35%Return on equity (ROE)
9.13%Retained earnings to average equity (YTD only)
0.50%Net charge-offs to loans
2.92%Credit loss provision to net charge-offs
7.13%Efficiency ratio
59,578Assets per employee
4.50%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.83%Loss allowance to loans
1.49%Loss allowance to noncurrent loans
259.18%Noncurrent assets plus other real estate owned to assets
0.37%Noncurrent loans to loans
0.57%Net loans and leases to deposits
56.79%Net loans and leases to core deposits
60.51%Equity capital to assets
10.24%Core capital (leverage) ratio
10.06%Tier 1 risk-based capital ratio
18.78%Total risk-based capital ratio
Memoranda
$20Average assets
$44,996Average earning assets
$5,027Average equity
$42,320Average loans
List of branches
1 Louisiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
61558
Commercial Capital Bank
311 Broadway, Delhi, LA 71232
Febuary 22, 1999
Full Service Brick and Mortar
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