First Capital Bancorp (First Capital Bancorp) Inventory-to-Revenue

First Capital Bancorp Inc was incorporated under Virginia law in 2006. The Company is a bank holding company and conducts its operations through its wholly-owned subsidiary, First Capital Bank. The Bank is a community oriented financial institution that offers a range of banking and related financial services to small and medium-sized businesses, professionals and individuals located in its market area, which consists of the Richmond, Virginia metropolitan area, with a current emphasis on western Henrico County, Chesterfield County, the City of Richmond, the Town of Ashland, and the surrounding vicinity. It offers a range of deposit services including checking accounts, NOW accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. The transaction accounts and time certificates are tailored to its market area at rates competitive to those offered in the area. In addition, it offers certain retirement account services, such as Individual Retirement Accounts, or IRAs. The Bank also offers a range of short-to-medium term commercial and consumer loans. Commercial loans include both secured and unsecured loans for working capital, including inventory and receivables; business expansion, including acquisition of real estate and improvements; and purchase of equipment and machinery; Consumer loans include secured and unsecured loans for financing automobiles, home improvements, education and personal investments. It originates fixed and floating-rate mortgage and real estate construction and acquisition loans. Other services it offers include safe deposit boxes, certain cash management services, traveler's checks, direct deposit of payroll and social security checks and automatic drafts for various accounts, selected on-line banking services and a small and medium-sized businesses courier service. The Company competes with other commercial banks, savings and loan associations, credit unions, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market mutual funds and other financial institutions operating in the Richmond metropolitan area and elsewhere. As a bank holding company, the Company is subject to regulation under the Bank Holding Company Act of 1956, as amended, and the examination and reporting requirements of the Board of Governors of the Federal Reserve System.