First Capital Bancorp, Inc. is a bank holding company. The Company conducts its primary operations through its wholly owned subsidiary, First Capital Bank. The Company has one other wholly owned subsidiary, FCRV Statutory Trust 1. The Bank is a community oriented financial institution that offers a full range of banking and related financial services. The Bank offers deposit services including checking accounts, NOW accounts, savings accounts and other time deposits, ranging from daily money market accounts to longer-term certificates of deposit. The Company also offers retirement account services, such as Individual Retirement Accounts (IRAs). The Company also originates fixed and floating-rate mortgage and real estate construction and acquisition loans. The Company also offers deposit boxes, cash management services, traveler’s checks, payroll and social security checks, and automatic drafts, selected on-line banking services and a small and medium-sized businesses courier service.