FDIC Certificate #: 35428 Status: Active Federal Reserve ID: 2855884 Bank Holding Company (Regulatory Top Holder): Capitol Bancorp Ltd. (RSSDID: 1247334, Location: Lansing, MI) Date Established: April 06, 2000 WWW:http://www.sunrisebankabq.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 #: 80025 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: April 06, 2000 Last Structure Change Effective Date: September 17, 2007 Last Structure Change Process Date: September 18, 2007 Last Data Update: September 18, 2007 Data Source Date: April 05, 2012
Location
Address: 219 Central Avenue Northwest, Albuquerque, NM 87102 County: Bernalillo Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Chicago FDIC Field Office: Albuquerque Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Albuquerque, NM (#200) Core Based Statistical Area (CBSA): Albuquerque, NM (#10740) CBSA Metro Statistical Area: Albuquerque, NM (#10740)
History of Changes
Change in Location
Financial Summary
Total assets: $60.1 mil Equity capital: $1.5 mil Deposits held in domestic offices: $53.4 mil Return on assets (ROA): -2.90% (-$1.7 mil) Quarterly return on assets: -0.27% (-$0.2 mil) Return on Equity (ROE): -115.12% (-$1.2 mil) Quarterly return on equity: -11.79% (-$0.1 mil) Net income: -$1.9 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -2.90% (-$1,744.0 mil) Quarterly Pretax return on assets: -0.27% (-$162.4 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$60,138Total assets
$11,852Cash and due from depository institutions
$11,106Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$43,986Net loans & leases
$2,013Loan loss allowance
$0Trading account assets
$256Bank premises and fixed assets
$3,048Other real estate owned
$0Goodwill and other intangibles
$60,138Life insurance assets
$996All other assets
$58,643Total liabilities and capital
$53,440Total liabilities
$46,539Total deposits
$53,440Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,075Trading liabilities
$0Other borrowed funds
$128Subordinated debt
$1,495All other liabilities
$1,495Total equity capital
$1,495Total bank equity capital
$0Perpetual preferred stock
$2,137Common stock
$5,839Surplus
$-6,481Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,077Income earned, not collected on loans
$0Earning assets
$194Long-term assets (5+ years)
$55,092Average Assets, year-to-date
$11,940Average Assets, quarterly
$64,470Volatile liabilities
$60,550Insider loans
$46,462FHLB advances
$61,509Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,495Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,418Restructured Loans and leases
$900Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,947Total interest income
$686Total interest expense
$2,261Net interest income
$941Provision for loan and lease losses
-$460Total noninterest income
$0Fiduciary activities
$61Service charges on deposit accounts
$0Trading account gains & fees
-$521Additional noninterest income
$2,730Total noninterest expense
$979Salaries and employee benefits
$461Premises and equipment expense
$1,290Additional noninterest expense
-$1,870Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$1,870Income before extraordinary items
$0Extraordinary gains - net
-$1,870Net income attributable to bank
$0Net charge-offs
-$1,870Cash dividends
$1,427Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.04%Yield on earning assets
1.17%Cost of funding earning assets
3.87%Net interest margin
-0.79%Noninterest income to earning assets
4.67%Noninterest expense to earning assets
-2.90%Net operating income to assets
-2.90%Return on assets (ROA)
-2.90%Pretax return on assets
-115.12%Return on equity (ROE)
-115.12%Retained earnings to average equity (YTD only)
2.92%Net charge-offs to loans
65.94%Credit loss provision to net charge-offs
-0.65%Efficiency ratio
151,582Assets per employee
4.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.38%Loss allowance to noncurrent loans
49.37%Noncurrent assets plus other real estate owned to assets
11.85%Noncurrent loans to loans
8.86%Net loans and leases to deposits
82.31%Net loans and leases to core deposits
91.07%Equity capital to assets
2.49%Core capital (leverage) ratio
2.43%Tier 1 risk-based capital ratio
3.22%Total risk-based capital ratio
Memoranda
$5Average assets
$64,470Average earning assets
$1,624Average equity
$58,442Average loans
List of branches
1 New Mexico Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
80025
Sunrise Bank Of Albuquerque
219 Central Avenue Northwest, Albuquerque, NM 87102
April 06, 2000
Full Service Brick and Mortar
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