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Last $11.50 USD
Change Today 0.00 / 0.00%
Volume 0.0
As of 8:10 PM 05/1/15 All times are local (Market data is delayed by at least 15 minutes).

1st capital bank (FISB) Snapshot

Open
$11.45
Previous Close
$11.50
Day High
$11.50
Day Low
$11.30
52 Week High
07/3/14 - $12.00
52 Week Low
05/16/14 - $10.95
Market Cap
38.9M
Average Volume 10 Days
821.6
EPS TTM
$0.58
Shares Outstanding
3.4M
EX-Date
--
P/E TM
19.8x
Dividend
--
Dividend Yield
--
Current Stock Chart for 1ST CAPITAL BANK (FISB)

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1st capital bank (FISB) Details

1st Capital Bank provides various banking products and services to businesses, professionals, real estate investors, family commercial entities, and individuals in the central coast region of California. The company accepts various deposit products, including checking and savings accounts, money market accounts, certificates of deposits, and individual retirement accounts, as well as attorney trust and health savings accounts. It offers various business loans and lines of credit products, such as revolving and non-revolving lines of credit, equipment loans, construction loans, real estate term loans, and customized credit facilities; SBA/government guaranteed loans; consumer and installment loans; real estate mortgages; land and lot loans; multifamily and commercial and industrial real estate loans; farmland loans; home equity lines of credit; and other loans products. In addition, the company provides various online banking services; ATMs, debit cards, overdraft protection, and wire transfer services; cash management services; and remote check scanning, remote branch deposit, telephone banking, electronic bill payment, remote ACH origination, and mobile banking services. It operates full service branch offices in Monterey, Salinas, and King City, California. The company was incorporated in 2006 and is headquartered in Monterey, California.

63 Employees
Last Reported Date: 02/2/15
Founded in 2006

1st capital bank (FISB) Top Compensated Officers

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Executives, Board Directors

1st capital bank (FISB) Key Developments

1st Capital Bank Reports Unaudited Earnings Results for the First Quarter Ended March 31, 2015

1st Capital Bank reported unaudited earnings results for the first quarter ended March 31, 2015. For the quarter, the company's total interest and dividend income was $3,713,000 compared to $3,202,000 a year ago. Net interest income was $3,548,000 compared to $3,053,000 a year ago. Net interest income after provision for loan losses was $3,348,000 compared to $2,933,000 a year ago. Income before provision for income taxes was $1,007,000 compared to $674,000 a year ago. Net income was $701,000 or $0.18 per diluted share compared to $408,000 or $0.11 per diluted share a year ago. Return on average total assets was 0.60% compared to 0.41% a year ago. Return on average shareholders' equity was 6.79% compared to 4.33% a year ago. Tangible book value per share rose to a record $11.08 as of March 31, 2015, as compared to $10.90 per share at December 31, 2014 and $10.44 per share at March 31, 2014. The rise in net income from the first quarter of 2014 to the first quarter of 2015 primarily resulted from: (i) a larger average balance of interest earning assets; and (ii) $249,000 in non-taxable benefits associated with Bank Owned Life Insurance policies.

1st Capital Bank Reports Unaudited Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2014

1st Capital Bank reported unaudited earnings results for the fourth quarter and full year ended December 31, 2014. For the quarter, the company's total interest and dividend income was $3,768,000 compared to $3,311,000 a year ago. Net interest income was $3,613,000 compared to $3,177,000 a year ago. Net interest income after provision for loan losses was $3,563,000 compared to $3,177,000 a year ago. Income before provision for income taxes was $1,066,000 compared to $1,033,000 a year ago. Net income was $627,000 or $0.16 per diluted share compared to $612,000 or $0.17 per diluted share a year ago. Return on average total assets was 0.55% compared to 0.65% a year ago. Return on average shareholders' equity was 6.09% compared to 6.57% a year ago. The 33.4% rise in net income from the third quarter of 2014 to the fourth quarter of 2014 primarily resulted from a larger average balance of interest earning assets combined with an expansion in net interest margin; and a lower provision for loan losses. Tangible book value per share rose to a record $10.90 as of December 31, 2014, as compared to $10.28 per share at December 31, 2013. For the year, the company's total interest and dividend income was $13,819,000 compared to $13,090,000 a year ago. Net interest income was $13,198,000 compared to $12,493,000 a year ago. Net interest income after provision for loan losses was $11,625,000 compared to $11,625,000 a year ago. Income before provision for income taxes was $3,329,000 compared to $2,867,000 a year ago. Net income was $1,960,000 or $0.52 per diluted share compared to $1,692,000 or $0.47 per diluted share a year ago. Return on average total assets was 0.45% compared to 0.47% a year ago. Return on average shareholders' equity was 4.96% compared to 4.77% a year ago. The improved earnings during 2014 stemmed from increased net interest income associated with a greater level of average interest earning assets; a lower provision for loan losses; and gains on the sale of securities during 2014, as the Bank reallocated duration from its security portfolio to its loan portfolio in conjunction with its interest rate risk management program.

1st Capital Bank Announces Unaudited Earnings Results for the Third Quarter and First Nine Months Ended September 30, 2014

1st Capital Bank announced unaudited earnings results for the third quarter and first nine months ended September 30, 2014. For the third quarter, the company reported net income of $470,000, equivalent to $0.12 per diluted common share compared to net income of $457,000, equivalent to $0.13 per diluted common share, a year ago. Return on average total assets was 0.42% against 0.50% for the same period a year ago. Return on average shareholders’ equity was 4.66% against 5.06% for the same period a year ago. Total interest and dividend income was $3,502,000 against $3,336,000 for the same period a year ago. Net interest income was $3,344,000 against $3,187,000 for the same period a year ago. Income before provision for income taxes was $816,000 against $763,000 for the same period a year ago. For the nine months, the company reported net income of $1.3 million, equivalent to $0.35 per diluted common share, compared to net income of $1.1 million, equivalent to $0.30 per diluted common share, for the first nine months of 2013. The improved earnings during 2014 stemmed from: increased net interest income associated with a greater level of average interest earnings assets; a lower provision for loan losses; and gains on the sale of securities during 2014, as the bank reallocated duration from its security portfolio to its loan portfolio in conjunction with its interest rate risk management program. Tangible book value per share rose to a record $10.77 as of September 30, 2014, as compared to $10.28 per share at December 31, 2013. Return on average total assets was 0.42% against 0.41% for the same period a year ago. Return on average shareholders’ equity was 4.56% against 4.12% for the same period a year ago. Income before provision for income taxes was $2,265,000 against $1,832,000 for the same period a year ago. Total interest and dividend income was $10,051,000 against $9,779,000 for the same period a year ago. Net interest income was $9,585,000 against $9,315,000 for the same period a year ago.

 

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