Capitol City Bank & Trust Company

Atlanta, GA · Cert 33938

FDIC · 8 branches

Q4 2014

$272.3MAssets

$189.9MLoans

$262.7MDeposits

$3.4MEquity

Loan mix

Deposit mix

NIM

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

Earnings: ROA of -0.06%, up 219 bps year over year; NIM at 2.93%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
Funding: loans stand at 72.30% of deposits as of Q4 2014.

Return on Assets (quarter, annualized)

-0.06%+219 bps YoY

Net Interest Margin (quarter, annualized)

2.93%+14 bps YoY

Efficiency Ratio (quarter, annualized)

101.56%-3,470 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	-2.25%	-0.55%	-4.14%	-0.01%	-0.06%	+219 bps
Return on Equity	-112.04%	-31.68%	-302%	-0.99%	-5.08%	+10,696 bps
Net Interest Margin	2.80%	2.74%	2.46%	2.97%	2.93%	+14 bps
Efficiency Ratio	136.26%	110.02%	138.30%	98.41%	101.56%	-3,470 bps
Non-Interest Burden	3.87%	3.08%	3.51%	2.90%	2.99%	-88 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.62%	1.17%	5.48%	-0.03%	-0.04%	-65 bps
Allowance / Loans	2.97%	2.79%	2.69%	2.78%	2.82%	-16 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	4.24%	4.09%	3.00%	3.06%	3.12%	-112 bps
Equity / Assets	1.70%	1.77%	0.97%	1.07%	1.23%	-47 bps
Liquidity & Funding
Loans / Deposits	76.00%	76.07%	72.30%	72.57%	72.30%	-370 bps
Liquid Assets / Assets	0.21%	0.25%	0.25%	0.26%	0.26%	+5 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a