Capstone Bank
Tuscaloosa, AL — Non-member Bank
Active
Vitals
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Total Assets487.1M 7.8 %
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Total Deposits416.5M 6.5 %
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Total Net Loans404.9M 8.5 %
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Net Income3.7M 0.9 %
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Book Value55.7M 4.8 %
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Book Value x2111.3M 4.8 %
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Book Value x3167.0M 4.8 %
Balance Sheet Highlights
Financial Highlights | Capstone Bank | All Insured Commercial Banks in Alabama |
Balance Sheet $(000) | ||
Total Assets | 487,113 | 266,812 |
Total Net Loans | 404,883 | 157,006 |
Total Deposits | 416,478 | 227,200 |
Total Equity | 55,674 | 30,855 |
Profitability | ||
Net Income | 3,721 | 2,603 |
Return on Average Assets | .792 | .91 |
Return on Average Equity | 6.785 | 7.525 |
Net Interest Margin | 3.817 | 3.872 |
Efficiency Ratio | 65.279 | 69.238 |
Noninterest Income/Revenue | 12.598 | 15.218 |
Balance Sheet Ratios | ||
Loan-to-Deposit | 97.216 | 65.031 |
Securities/Assets | .089 | .23 |
Total Equity/Total Assets | .114 | .116 |
Tangible Equity/Tangible Assets | .102 | .114 |
Capital Adequacy | ||
Tier 1 Common Capital | 50,584 | 30,655 |
Tier 1 Capital | 50,584 | 30,655 |
Tier 2 Capital | 4,145 | 1,864 |
Total Capital | 54,729 | 32,526 |
Total Risk Weighted Assets | 414,963 | 184,216 |
Leverage Ratio | 10.71 | 11.829 |
Common Equity Tier 1 Capital Ratio | 12.19 | 18.757 |
Tier 1 Capital Ratio | 12.19 | 18.762 |
Total Capital Ratio | 13.19 | 19.824 |
Timeline for Capstone Bank
Security Bank
Acquisition: Capstone Bank acquired a new subsidiary, Security Bank, 15 years
View Profile Nov 06 2008Capstone Bancshares, Inc.
Capstone Bancshares, Inc. became a new parent organization for Capstone Bank.
View Profile Mar 06 2008South Alabama Holding Company, Inc.
South Alabama Holding Company, Inc. became a new parent organization for Capstone Bank.
View Profile Oct 01 1988Capstone Bank
Capstone Bank was established 45 years ago and is currently headquartered in Tuscaloosa, AL.
Dec 15 1978Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
Security Bank | Seller | 57,517 | Acquisition | Discontinued | 11/6/2008 |
Relationships | Role | Relationship Start | Relationship End |
Capstone Bancshares, Inc. | Parent | 3/6/2008 | |
South Alabama Holding Company, Inc. | Parent | 10/1/1988 | 3/5/2008 |
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