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Capital Bank & Trust Company

Nashville, TN · Cert 33902

FDIC

Q2 2007

$618.4MAssets
$517.1MLoans
$492.8MDeposits
$48.5MEquity
Loan mix
87%RE $404.3M13%C&I $61.1M0%Consumer $1.5MQ2 2006Q2 2007
Deposit mix
96%Interest-bearing $471.3M4%Noninterest $21.5MQ2 2006Q2 2007

NIM

6.17%Q2 ’057.33%Q2 ’067.28%Q2 ’07+7%-15%

Non-interest income vs. expense

2.49%Q2 ’052.48%Q2 ’062.50%Q2 ’07+5%+4%

Executive Summary

  • Earnings: ROA of 0.36%, down 66 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.97%.
  • Funding: loans stand at 104.93% of deposits as of Q2 2007.

Financial Results

Return on Assets (quarter, annualized)

0.36%-66 bps YoY

Net Interest Margin (quarter, annualized)

3.36%-58 bps YoY

Efficiency Ratio (quarter, annualized)

66.55%+1,009 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.02%0.99%1.00%0.87%0.36%-66 bps
Return on Equity13.41%13.08%13.19%11.29%4.57%-884 bps
Net Interest Margin3.93%3.92%3.58%3.43%3.36%-58 bps
Efficiency Ratio56.46%59.66%60.30%62.28%66.55%+1,009 bps
Non-Interest Burden2.02%2.15%1.91%1.96%2.10%+8 bps
Growth
Asset Growth (YoY)20.98%19.06%19.13%21.04%20.47%-51 bps
Loan Growth (YoY)23.55%19.60%18.91%19.72%21.60%-195 bps
Deposit Growth (YoY)25.41%20.65%22.10%21.67%16.77%-864 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.02%0.17%0.08%0.97%+93 bps
Allowance / Loans1.26%1.28%1.20%1.18%1.07%-18 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 Capital10.56%10.72%10.23%10.07%10.02%-54 bps
Equity / Assets7.48%7.62%7.61%7.71%7.84%+36 bps
Liquidity & Funding
Loans / Deposits100.76%100.26%99.51%102.52%104.93%+417 bps
Liquid Assets / Assets0.24%0.61%0.00%0.41%0.03%-21 bps
CRE / Total Capitaln/an/an/an/an/an/an/a