First Capital Bank in city_name, state_name - Detailed Financial Reports, Location

First Capital Bank in Germantown, Tennessee (TN)
Show street view No street view available for this location

First Capital Bank routing number info

First Capital Bank - Overview

General
FDIC Certificate #: 57552
Status: Active
Federal Reserve ID: 3177426
Bank Holding Company (Regulatory Top Holder): Germantown Capital Corporation, Inc. (RSSDID: 3684746, Location: Germantown, TN)
Date Established: May 19, 2003
WWW: http://www.firstcapitalbanktn.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 365471
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: May 19, 2003
Last Structure Change Effective Date: May 04, 2007
Last Structure Change Process Date: May 07, 2007
Last Data Update: May 07, 2007
Data Source Date: April 05, 2012
Location
Address: 7575 Poplar Avenue, Germantown, TN 38138
County: Shelby
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Memphis
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Memphis, TN-AR-MS (#4920)
Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820)
CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820)
Financial Summary
Total assets: $180.9 mil
Equity capital: $24.0 mil
Deposits held in domestic offices: $136.4 mil
Return on assets (ROA): 0.56% ($1.0 mil)
Quarterly return on assets: 0.57% ($1.0 mil)
Return on Equity (ROE): 4.24% ($1.0 mil)
Quarterly return on equity: 4.30% ($1.0 mil)
Net income: $1.0 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.56% ($1,013.1 mil)
Quarterly Pretax return on assets: 0.57% ($1,031.2 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
24Total employees (full-time equivalent)
$180,909Total assets
$622Cash and due from depository institutions
$0Interest-bearing balances
$23,770Securities
$8,222Federal funds sold & reverse repurchase agreements
$137,774Net loans & leases
$2,688Loan loss allowance
$0Trading account assets
$4,053Bank premises and fixed assets
$3,750Other real estate owned
$0Goodwill and other intangibles
$180,908Life insurance assets
$2,718All other assets
$156,894Total liabilities and capital
$136,392Total liabilities
$130,650Total deposits
$136,392Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$20,000Trading liabilities
$0Other borrowed funds
$502Subordinated debt
$24,014All other liabilities
$24,014Total equity capital
$24,014Total bank equity capital
$0Perpetual preferred stock
$1,607Common stock
$25,144Surplus
$-2,737Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,816Income earned, not collected on loans
$0Earning assets
$619Long-term assets (5+ years)
$169,766Average Assets, year-to-date
$25,035Average Assets, quarterly
$179,717Volatile liabilities
$182,315Insider loans
$146,693FHLB advances
$184,909Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$23,815Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$16,928Restructured Loans and leases
$6,462Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,368Total interest income
$2,518Total interest expense
$5,850Net interest income
$1,117Provision for loan and lease losses
-$35Total noninterest income
$0Fiduciary activities
$27Service charges on deposit accounts
$0Trading account gains & fees
-$62Additional noninterest income
$4,027Total noninterest expense
$2,128Salaries and employee benefits
$635Premises and equipment expense
$1,264Additional noninterest expense
$671Pre-tax net operating income
$334Securities gains (losses)
$0Applicable income taxes
$1,005Income before extraordinary items
$0Extraordinary gains - net
$1,005Net income attributable to bank
$0Net charge-offs
$1,005Cash dividends
$1,434Sale, conversion, retirement of capital stock, net
$572Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.93%Yield on earning assets
1.48%Cost of funding earning assets
3.45%Net interest margin
-0.02%Noninterest income to earning assets
2.37%Noninterest expense to earning assets
0.37%Net operating income to assets
0.56%Return on assets (ROA)
0.56%Pretax return on assets
4.24%Return on equity (ROE)
1.83%Retained earnings to average equity (YTD only)
1.03%Net charge-offs to loans
77.89%Credit loss provision to net charge-offs
1.25%Efficiency ratio
69,252Assets per employee
7.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.92%Loss allowance to loans
1.91%Loss allowance to noncurrent loans
55.81%Noncurrent assets plus other real estate owned to assets
4.73%Noncurrent loans to loans
3.43%Net loans and leases to deposits
101.01%Net loans and leases to core deposits
112.54%Equity capital to assets
13.27%Core capital (leverage) ratio
12.88%Tier 1 risk-based capital ratio
16.23%Total risk-based capital ratio
Memoranda
$17Average assets
$179,717Average earning assets
$23,692Average equity
$169,580Average loans

List of branches

2 Tennessee Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	365471	First Capital Bank	7575 Poplar Avenue, Germantown, TN 38138	May 19, 2003	Full Service Brick and Mortar
1	494844	Oak Court Branch	555 Perkins Road, Memphis, TN 38117	September 15, 2009	Full Service Brick and Mortar

First Capital Bank in Germantown, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Capital Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Capital Bank in Germantown, Tennessee (TN)Overview, Financial Summary, Detailed Financial Reports, Branches

First Capital Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Capital Bank in Germantown, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches