PackageTrendsPeer
Letter portraitLegal landscape

First Capital Bank

Glen Allen, VA · Cert 34802

FDIC · 8 branches

Q4 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

First Capital Bank

Glen Allen, VA · Cert 34802

FDIC · 8 branches

Q4 2015

$625.1MAssets
$507.9MLoans
$508.2MDeposits
$60.1MEquity
Loan mix
82%RE $330.6M18%C&I $71.0M0%Consumer $1.7MQ4 2014Q4 2015
Deposit mix
81%Interest-bearing $410.4M19%Noninterest $97.8MQ4 2014Q4 2015

NIM

4.24%Q4 ’134.13%Q4 ’144.17%Q4 ’15+1%+3%

Non-interest income vs. expense

2.64%Q4 ’132.48%Q4 ’143.10%Q4 ’150%+31%

Market Position · Richmond, VA · 2015 SOD (annual) · 0.5% share · #9 of 35 inst. · $0.5B of $92.2B

0.9% Richmond (City)
0.3% Henrico
2.5% Chesterfield
3.1% Hanover

Executive Summary

  • Earnings: ROA of 0.35%, down 52 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.58%.
  • Funding: loans stand at 99.95% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.35%-52 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+10 bps YoY

Efficiency Ratio (YTD, annualized)

86.01%+1,671 bps YoY

Tier 1 Leverage Ratio

9.58%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.86%0.80%0.82%0.85%0.35%-52 bps
Return on Equity9.01%8.14%8.41%8.67%3.54%-547 bps
Net Interest Margin3.33%3.47%3.40%3.41%3.43%+10 bps
Efficiency Ratio69.30%71.30%68.46%67.37%86.01%+1,671 bps
Non-Interest Burden2.23%2.43%2.26%2.22%2.92%+69 bps
Growth
Asset Growth (YoY)9.20%6.85%6.66%3.84%4.57%-463 bps
Loan Growth (YoY)11.41%9.43%8.47%5.65%5.46%-596 bps
Deposit Growth (YoY)5.44%7.69%7.50%6.24%4.86%-58 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.12%-0.05%-0.04%-0.03%-2 bps
Allowance / Loans1.63%1.62%1.57%1.59%1.51%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a9.73%9.69%9.83%9.58%n/a
Total Risk-Based Capital12.90%12.66%12.38%12.82%12.26%-64 bps
Equity / Assets9.70%9.89%9.83%9.99%9.62%-8 bps
Liquidity & Funding
Loans / Deposits99.39%97.39%98.72%94.69%99.95%+57 bps
Liquid Assets / Assets0.75%2.16%1.06%1.35%0.76%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a