Vitals
  • Total Assets
    370.4M 0.1 %
  • Total Deposits
    271.5M 0.1 %
  • Total Net Loans
    233.4M -0.4 %
  • Net Income
    3.7M 1.4 %
  • Book Value
    62.0M 0.6 %
  • Book Value x2
    123.9M 0.6 %
  • Book Value x3
    185.9M 0.6 %
ROAA

.984

ROAE

5.95

Efficiency Ratio

55.061

Net Interest Margin

3.614

Balance Sheet Highlights
Financial Highlights 1St State Bank All Insured Commercial Banks in North Carolina
Balance Sheet $(000)
Total Assets 370,428 967,835
Total Net Loans 233,407 1,485,933
Total Deposits 271,499 713,653
Total Equity 61,965 113,235
Profitability
Net Income 3,655 362,064
Return on Average Assets .984 .973
Return on Average Equity 5.95 10.005
Net Interest Margin 3.614 4.134
Efficiency Ratio 55.061 68.439
Noninterest Income/Revenue 9.01 43.35
Balance Sheet Ratios
Loan-to-Deposit 85.97 90.933
Securities/Assets .294 2.053
Total Equity/Total Assets .167 .117
Tangible Equity/Tangible Assets .166 -2.218
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 63,670 85,805
Tier 2 Capital 3,558 23,725
Total Capital 67,228 97,548
Total Risk Weighted Assets 283,973 729,309
Leverage Ratio 17.15 10.405
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 22.42 12.768
Total Capital Ratio 23.67 14.077

Timeline for 1St State Bank

Capital Bank

1St State Bank was acquired by Capital Bank 18 years

View Profile Jan 14 2006

Capital Bank Corporation

Capital Bank Corporation became a new parent organization for 1St State Bank.

View Profile Jan 03 2006

1St State Bancorp, Inc.

1St State Bancorp, Inc. became a new parent organization for 1St State Bank.

View Profile Apr 24 1999

First Capital Services Company, Llc

First Capital Services Company, Llc became a new subsidiary organization for 1St State Bank.

View Profile Oct 01 1997

1St State Bank

1St State Bank was established 110 years ago and is currently headquartered in Burlington, NC.

Jan 01 1914
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Capital Bank Buyer 1,703,557 Pooling of Interests Discontinued 1/14/2006
Relationships Role Relationship Start Relationship End
Capital Bank Corporation Parent 1/3/2006 1/13/2006
1St State Bancorp, Inc. Parent 4/24/1999 1/2/2006
First Capital Services Company, Llc Subsidary 10/1/1997 1/13/2006
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