FDIC Certificate #: 34130 Status: Inactive Closing history: Absorption - Assisted Acquiring institution:Capital Bank, National Association (#35278) Federal Reserve ID: 476276 Date Established: January 01, 1984 Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 56273 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: Febuary 12, 1996 Last Structure Change Effective Date: August 18, 2011 Last Structure Change Process Date: August 19, 2011 Last Data Update: August 19, 2011 Data Source Date: April 05, 2012
Location
Address: 2755 Philmont Avenue, Huntingdon Valley, PA 19006 County: Montgomery Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Philadelphia Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160) Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77) Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428) Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980) CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980) Core Based Statistical Division: Philadelphia, PA (#37964)
Financial Summary
Total assets: $46.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
35Total employees (full-time equivalent)
$48,029Total assets
$4,077Cash and due from depository institutions
$3,014Interest-bearing balances
$1,872Securities
$0Federal funds sold & reverse repurchase agreements
$37,286Net loans & leases
$846Loan loss allowance
$0Trading account assets
$488Bank premises and fixed assets
$2,363Other real estate owned
$870Goodwill and other intangibles
$0Life insurance assets
$1,073All other assets
$48,029Total liabilities and capital
$45,677Total liabilities
$45,393Total deposits
$26,964Interest-bearing deposits
$45,393Deposits held in domestic offices
90.64%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$284All other liabilities
$2,352Total equity capital
$2,352Total bank equity capital
$2,352Perpetual preferred stock
$0Common stock
$4,765Surplus
$0Undivided profits
Memoranda
$-2,413Noncurrent loans and leases
$5,798Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$3,034Earning assets
$0Long-term assets (5+ years)
$211Average Assets, year-to-date
$42,172Average Assets, quarterly
$4,886Volatile liabilities
$51,262Insider loans
$50,461FHLB advances
$8,111Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$138Total risk weighted assets
$5,798Total unused commitments
$2,105Restructured Loans and leases
$470Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$2,677Total interest income
$712Total interest expense
$1,965Net interest income
$907Provision for loan and lease losses
$2,354Total noninterest income
$0Fiduciary activities
$353Service charges on deposit accounts
$0Trading account gains & fees
$2,001Additional noninterest income
$5,577Total noninterest expense
$2,385Salaries and employee benefits
$238Premises and equipment expense
$2,954Additional noninterest expense
-$2,165Pre-tax net operating income
$0Securities gains (losses)
$175Applicable income taxes
-$2,340Income before extraordinary items
$0Extraordinary gains - net
-$2,340Net income attributable to bank
$0Net charge-offs
-$2,340Cash dividends
$429Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.34%Yield on earning assets
1.69%Cost of funding earning assets
4.65%Net interest margin
5.57%Noninterest income to earning assets
13.20%Noninterest expense to earning assets
-4.56%Net operating income to assets
-4.56%Return on assets (ROA)
-4.22%Pretax return on assets
-58.51%Return on equity (ROE)
-58.51%Retained earnings to average equity (YTD only)
1.12%Net charge-offs to loans
211.42%Credit loss provision to net charge-offs
-2.93%Efficiency ratio
129,127Assets per employee
1.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.22%Loss allowance to noncurrent loans
27.88%Noncurrent assets plus other real estate owned to assets
11.24%Noncurrent loans to loans
7.96%Net loans and leases to deposits
82.14%Net loans and leases to core deposits
100.01%Equity capital to assets
4.90%Core capital (leverage) ratio
2.99%Tier 1 risk-based capital ratio
3.93%Total risk-based capital ratio
Memoranda
$5Average assets
$51,262Average earning assets
$4,000Average equity
$42,247Average loans
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