PackageTrendsPeer
Letter portraitLegal landscape

Capital City Bank

Topeka, KS · Cert 16803

FDIC · 10 branches

Q2 2018

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: Q2 2018, the quarter ended June 30, 2018, 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 2026-10-11

Capital City Bank

Topeka, KS · Cert 16803

FDIC · 10 branches

Q2 2018

$431.9MAssets
$303.1MLoans
$376.9MDeposits
$36.4MEquity
Loan mix
69%RE $155.5M28%C&I $64.2M3%Consumer $6.4MQ2 2017Q2 2018
Deposit mix
77%Interest-bearing $291.8M23%Noninterest $85.0MQ2 2017Q2 2018

NIM

3.44%Q2 ’163.44%Q2 ’173.81%Q2 ’18-1%+11%

Non-interest income vs. expense

2.87%Q2 ’162.87%Q2 ’173.01%Q2 ’18-1%+2%

Market Position · Topeka, KS · 2018 SOD (annual) · 5.9% share · #4 of 38 inst. · $0.3B of $5.4B

7.1% Shawnee
1.7% Douglas
0.1% Johnson

Executive Summary

  • Earnings: ROA of 1.02%, up 34 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.00% of loans (-45 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 8.80%, up 49 bps from a year ago.
  • Funding: loans stand at 80.42% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

1.02%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+34 bps YoY

Efficiency Ratio (YTD, annualized)

70.57%-443 bps YoY

Tier 1 Leverage Ratio

8.80%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.68%0.70%0.55%0.96%1.02%+34 bps
Return on Equity8.37%8.65%6.77%11.59%12.23%+386 bps
Net Interest Margin3.09%3.13%3.19%3.37%3.43%+34 bps
Efficiency Ratio75.00%74.27%74.34%72.00%70.57%-443 bps
Non-Interest Burden2.13%2.13%2.18%2.20%2.17%+4 bps
Growth
Asset Growth (YoY)3.63%3.91%-1.64%-2.61%-2.70%-634 bps
Loan Growth (YoY)3.09%6.18%4.05%6.62%6.98%+390 bps
Deposit Growth (YoY)3.70%4.75%-3.34%-3.96%-1.07%-477 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.16%0.12%0.12%0.00%-45 bps
Net Charge-Offs / Loans-0.05%-0.03%-0.02%-0.01%0.05%+10 bps
Allowance / Loans1.03%1.01%1.01%0.96%0.93%-10 bps
Allowance Coverage of NPLs2.3x6.2x8.8x8.2x257.4x+255.1x
Capital
Tier 1 Leverage Ratio8.31%8.44%8.47%8.58%8.80%+49 bps
Total Risk-Based Capital12.50%12.65%12.67%12.56%12.36%-14 bps
Equity / Assets8.21%8.26%8.35%8.21%8.42%+20 bps
Liquidity & Funding
Loans / Deposits74.37%73.95%77.38%79.94%80.42%+605 bps
Liquid Assets / Assets0.82%0.81%0.99%1.06%0.91%+10 bps
CRE / Total Capitaln/an/an/an/an/an/an/a