1ST CAPITAL BANK CONDENSED FINANCIAL DATA (Unaudited) (Dollars in thousands) 3 Months Ended Percent Change From: September September SeptemberSelected 30, June 30, 30, June 30, 30,Financial Ratios 2012 2012 2011 2012 2011 --------- --------- --------- -------- ---------Return on average total assets 0.71% 0.28% 0.53% 150% 34%Return on average shareholders' equity 6.49% 2.59% 3.94% 151% 65%Net interest margin 4.2% 4.1% 4.5% 4% (7%)Efficiency ratio 67.26% 73.25% 75.09% (8%) (10%)Selected Average BalancesLoans $ 231,716 $ 214,583 $ 190,066 8% 22%Investment securities 17,866 17,790 12,852 0% 39%Federal funds sold and CD's 42,873 55,218 21,945 (22%) 95% --------- --------- --------- Total earning assets $ 292,455 $ 287,591 $ 224,863 2% 30% --------- --------- --------- Total assets $ 303,785 $ 297,159 $ 234,374 2% 30% --------- --------- ---------Demand deposits - interest bearing $ 77,366 $ 81,168 $ 57,815 (5%) 34%Savings 55,170 48,242 33,291 14% 66%Time deposits 35,229 37,704 45,991 (7%) (23%) --------- --------- --------- Total interest bearing liabilities $ 167,765 $ 167,114 $ 137,096 0% 22% --------- --------- ---------Demand deposits - noninterest bearing 102,719 96,972 64,784 6% 59% --------- --------- ---------Total Deposits $ 270,484 $ 264,086 $ 201,880 2% 34% --------- --------- ---------Shareholders' equity $ 33,031 $ 32,513 $ 31,449 2% 5% --------- --------- --------- 1ST CAPITAL BANK CONDENSED FINANCIAL DATA (Unaudited) (Dollars in thousands) 9 Months EndedSelected September 30, PercentFinancial Ratios 2012 2011 Change --------- --------- -------Return on average total assets 0.48% 1.70% 72%Return on average shareholders' equity 4.33% 12.86% 66%Net interest margin 4.1% 4.5% (9%)Efficiency ratio 72.93% 69.83% 4%Selected Average BalancesLoans $ 215,472 $ 185,318 16%Investment securities 17,132 13,521 27%Federal funds sold and CD's 50,537 20,090 152% --------- --------- Total earning assets $ 283,142 $ 218,929 29% --------- --------- Total assets $ 293,736 $ 226,729 30% --------- ---------Demand deposits - interest bearing $ 76,095 $ 59,127 29%Savings 48,348 31,564 53%Time deposits 37,985 47,559 (20%) --------- --------- Total interest bearing liabilities $ 162,427 $ 138,250 17% --------- ---------Demand deposits - noninterest bearing 98,353 57,551 71% --------- ---------Total Deposits $ 260,780 $ 195,801 33% --------- ---------Shareholders' equity $ 32,564 $ 29,963 9% --------- ---------
Contact Information
Jayme Fields
CFO
(831) 264-4011
