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Capital Bank

Saint Paul, MN · Cert 17640

FDIC · 2 branches

Q2 2016

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 2016, the quarter ended June 30, 2016, 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 Bank

Saint Paul, MN · Cert 17640

FDIC · 2 branches

Q2 2016

$35.4MAssets
$15.0MLoans
$30.5MDeposits
$4.8MEquity
Loan mix
12%RE $0.7M85%C&I $4.8M3%Consumer $0.2MQ2 2015Q2 2016
Deposit mix
78%Interest-bearing $23.9M22%Noninterest $6.6MQ2 2015Q2 2016

NIM

3.67%Q2 ’143.67%Q2 ’153.29%Q2 ’16+0%-10%

Non-interest income vs. expense

2.98%Q2 ’143.21%Q2 ’153.01%Q2 ’16+14%-5%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2016 SOD (annual) · 0.0% share · #129 of 154 inst. · $0.0B of $179.0B

Executive Summary

  • Earnings: ROA of 0.31%, down 28 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.65%, up 33 bps from a year ago.
  • Funding: loans stand at 49.26% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

0.31%-28 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-36 bps YoY

Efficiency Ratio (YTD, annualized)

87.54%+411 bps YoY

Tier 1 Leverage Ratio

11.65%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.60%0.71%0.57%0.60%0.31%-28 bps
Return on Equity4.68%5.55%4.38%4.57%2.36%-232 bps
Net Interest Margin3.46%3.49%3.41%3.22%3.10%-36 bps
Efficiency Ratio83.43%79.39%82.74%82.55%87.54%+411 bps
Non-Interest Burden2.83%2.69%2.75%2.60%2.67%-15 bps
Growth
Asset Growth (YoY)-3.03%-2.61%-3.12%-2.37%0.28%+331 bps
Loan Growth (YoY)18.94%11.51%5.01%0.84%-13.50%-3,244 bps
Deposit Growth (YoY)-0.62%-0.29%0.05%-2.90%-0.16%+45 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.05%0.00%0.00%0 bps
Allowance / Loans2.13%2.17%1.93%2.05%2.40%+27 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.32%11.70%11.56%11.77%11.65%+33 bps
Total Risk-Based Capital17.28%18.04%17.30%18.20%20.14%+286 bps
Equity / Assets13.15%13.33%13.27%13.20%13.51%+36 bps
Liquidity & Funding
Loans / Deposits56.85%55.84%60.66%56.56%49.26%-759 bps
Liquid Assets / Assets22.32%21.58%20.36%20.16%16.27%-605 bps
CRE / Total Capitaln/an/an/an/an/an/an/a