PackageTrendsPeer
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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 ’016.95%Q3 ’016.07%Q3 ’02+5%+12%

Non-interest income vs. expense

2.27%Q1 ’012.11%Q3 ’013.18%Q3 ’02+2%+44%

Executive Summary

  • Earnings: ROA of 0.19%, down 73 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 103.36% of deposits as of Q3 2002.

Financial Results

Return on Assets (quarter, annualized)

0.19%-73 bps YoY

Net Interest Margin (quarter, annualized)

3.52%+38 bps YoY

Efficiency Ratio (quarter, annualized)

76.77%+1,606 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.92%1.28%1.44%1.32%0.19%-73 bps
Return on Equity9.03%12.44%13.78%12.77%1.89%-714 bps
Net Interest Margin3.14%3.63%3.63%3.59%3.52%+38 bps
Efficiency Ratio60.71%52.34%48.49%49.25%76.77%+1,606 bps
Non-Interest Burden1.78%1.66%1.47%1.62%2.56%+78 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 / Loans-0.18%0.06%0.06%0.70%-0.02%+15 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