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Capital Bank & Trust Company

Albany, NY · Cert 34105

FDIC

Q1 2011

$252.5MAssets
$172.3MLoans
$195.9MDeposits
$22.7MEquity
Loan mix
65%RE $74.9M35%C&I $40.8M0%Consumer $0.2MQ1 2010Q1 2011
Deposit mix
87%Interest-bearing $171.4M13%Noninterest $24.5MQ1 2010Q1 2011

NIM

4.93%Q1 ’094.79%Q1 ’104.80%Q1 ’11+19%+12%

Non-interest income vs. expense

2.22%Q1 ’092.05%Q1 ’101.93%Q1 ’11-8%-6%

Executive Summary

  • Earnings: ROA of 0.16%, down 30 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.68%.
  • Funding: loans stand at 87.95% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

0.16%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+40 bps YoY

Efficiency Ratio (YTD, annualized)

52.62%-1,013 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets0.46%10.47%0.48%0.51%0.16%-30 bps
Return on Equity6.02%6.10%6.11%6.34%1.84%-418 bps
Net Interest Margin3.19%3.27%3.27%3.41%3.59%+40 bps
Efficiency Ratio62.75%62.92%62.98%61.04%52.62%-1,013 bps
Non-Interest Burden1.98%2.02%2.04%2.05%1.85%-12 bps
Growth
Asset Growth (YoY)11.14%6.58%1.35%-9.16%-9.12%-2,026 bps
Loan Growth (YoY)-6.25%-2.69%-2.90%-6.24%-11.16%-492 bps
Deposit Growth (YoY)11.78%8.18%4.78%-9.47%-9.33%-2,111 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.19%0.09%0.15%0.17%4.68%+449 bps
Allowance / Loans1.35%1.52%1.66%1.89%1.43%+8 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 Capital12.30%12.17%12.68%12.97%13.97%+167 bps
Equity / Assets7.76%8.14%8.32%8.66%8.97%+122 bps
Liquidity & Funding
Loans / Deposits89.77%93.02%90.20%92.49%87.95%-182 bps
Liquid Assets / Assets17.36%11.82%14.15%11.27%14.92%-244 bps
CRE / Total Capitaln/an/an/an/an/an/an/a