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Capitol City Bank & Trust Company

Atlanta, GA · Cert 33938

FDIC · 8 branches

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, 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

Capitol City Bank & Trust Company

Atlanta, GA · Cert 33938

FDIC · 8 branches

Q4 2014

$272.3MAssets
$189.9MLoans
$262.7MDeposits
$3.4MEquity
Loan mix
95%RE $130.3M4%C&I $5.3M1%Consumer $1.9MQ4 2013Q4 2014
Deposit mix
89%Interest-bearing $233.6M11%Noninterest $29.1MQ4 2013Q4 2014

NIM

4.52%Q4 ’123.94%Q4 ’133.84%Q4 ’14-9%+0%

Non-interest income vs. expense

3.54%Q4 ’124.11%Q4 ’133.88%Q4 ’14+14%-10%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2014 SOD (annual) · 0.2% share · #37 of 100 inst. · $0.2B of $132.6B

0.3% Fulton
0.3% DeKalb
1.2% Dougherty
0.4% Richmond

Executive Summary

  • Earnings: ROA of -1.20%, up 59 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.72%.
  • Funding: loans stand at 72.30% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.20%+59 bps YoY

Net Interest Margin (YTD, annualized)

2.83%0 bps YoY

Efficiency Ratio (YTD, annualized)

110.11%-1,076 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-1.79%-0.55%-2.33%-1.57%-1.20%+59 bps
Return on Equity-59.80%-31.68%-157.26%-113.62%-88.66%-2,886 bps
Net Interest Margin2.83%2.74%2.62%2.77%2.83%0 bps
Efficiency Ratio120.88%110.02%122.60%113.31%110.11%-1,076 bps
Non-Interest Burden3.54%3.08%3.32%3.22%3.19%-35 bps
Growth
Asset Growth (YoY)-4.55%-5.16%-3.69%-5.98%-5.04%-49 bps
Loan Growth (YoY)-3.76%-5.20%-8.34%-9.03%-9.35%-559 bps
Deposit Growth (YoY)-2.04%-2.35%-1.86%-4.90%-4.71%-266 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.32%1.17%3.36%2.28%1.72%+40 bps
Allowance / Loans2.97%2.79%2.69%2.78%2.82%-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 Capital4.24%4.09%3.00%3.06%3.12%-112 bps
Equity / Assets1.70%1.77%0.97%1.07%1.23%-47 bps
Liquidity & Funding
Loans / Deposits76.00%76.07%72.30%72.57%72.30%-370 bps
Liquid Assets / Assets0.21%0.25%0.25%0.26%0.26%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a