PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Capital Bank

Howard, WI · Cert 33857

FDIC

Q3 2002

$78.0MAssets
$65.0MLoans
$62.9MDeposits
$8.0MEquity
Loan mix
61%RE $22.3M38%C&I $13.9M0%Consumer $0.0MQ3 2001Q3 2002
Deposit mix
89%Interest-bearing $55.9M11%Noninterest $7.0MQ3 2001Q3 2002

NIM

7.51%Q1 ’016.84%Q3 ’015.96%Q3 ’02-1%+15%

Non-interest income vs. expense

2.27%Q1 ’012.09%Q3 ’012.30%Q3 ’02-2%+7%

Executive Summary

  • Earnings: ROA of 0.98%, up 5 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.24%.
  • Funding: loans stand at 103.36% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

0.98%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+46 bps YoY

Efficiency Ratio (YTD, annualized)

58.73%-353 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.92%1.02%1.44%1.37%0.98%+5 bps
Return on Equityn/an/a13.78%13.27%9.44%n/a
Net Interest Margin2.97%3.12%3.63%3.54%3.43%+46 bps
Efficiency Ratio62.26%59.36%48.49%48.86%58.73%-353 bps
Non-Interest Burden1.71%1.68%1.47%1.52%1.82%+12 bps
Growth
Asset Growth (YoY)24.43%15.29%16.05%12.93%6.96%-1,747 bps
Loan Growth (YoY)19.85%18.86%18.01%16.28%16.47%-338 bps
Deposit Growth (YoY)27.99%17.54%23.38%18.21%10.93%-1,706 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.03%0.06%0.38%0.24%+22 bps
Allowance / Loans1.55%1.45%1.43%1.23%1.39%-16 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.55%14.26%14.08%13.93%13.73%-82 bps
Equity / Assets10.18%10.33%10.53%10.21%10.25%+7 bps
Liquidity & Funding
Loans / Deposits98.45%110.69%105.70%99.80%103.36%+491 bps
Liquid Assets / Assets0.13%1.29%1.14%4.52%0.38%+25 bps
CRE / Total Capitaln/an/an/an/an/an/an/a