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Capital Bank

San Juan Capistrano, CA · Cert 58462

FDIC · 2 branches

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

Capital Bank

San Juan Capistrano, CA · Cert 58462

FDIC · 2 branches

Q3 2017

$290.1MAssets
$257.4MLoans
$241.5MDeposits
$33.3MEquity
Loan mix
76%RE $155.8M24%C&I $49.6M0%Consumer $0.3MQ3 2016Q3 2017
Deposit mix
84%Interest-bearing $203.1M16%Noninterest $38.3MQ3 2016Q3 2017

NIM

4.65%Q3 ’154.87%Q3 ’164.94%Q3 ’17+5%-1%

Non-interest income vs. expense

2.84%Q3 ’152.78%Q3 ’162.77%Q3 ’17+21%-9%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2017 SOD (annual) · 0.0% share · #82 of 125 inst. · $0.2B of $526.9B

0.2% Orange
0.0% San Diego

Executive Summary

  • Earnings: ROA of 2.14%, up 113 bps year over year; NIM at 4.34%.
  • Asset quality: problem loans at 0.10% of loans (+10 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 10.94%, up 187 bps from a year ago.
  • Funding: loans stand at 106.59% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

2.14%+113 bps YoY

Net Interest Margin (YTD, annualized)

4.34%-4 bps YoY

Efficiency Ratio (YTD, annualized)

56.85%-220 bps YoY

Tier 1 Leverage Ratio

10.94%+187 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets1.01%1.10%1.22%1.23%2.14%+113 bps
Return on Equity10.75%11.86%13.58%13.42%22.03%+1,129 bps
Net Interest Margin4.38%4.12%4.20%4.25%4.34%-4 bps
Efficiency Ratio59.05%56.08%53.08%52.81%56.85%-220 bps
Non-Interest Burden2.44%2.18%1.90%1.98%2.23%-21 bps
Growth
Asset Growth (YoY)4.34%6.50%4.92%13.13%-0.80%-515 bps
Loan Growth (YoY)22.26%18.89%16.05%16.38%12.04%-1,022 bps
Deposit Growth (YoY)9.54%16.22%13.96%7.98%-5.36%-1,490 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.02%0.05%0.10%+10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.16%+16 bps
Allowance / Loans1.31%1.31%1.30%1.30%1.30%-1 bps
Allowance Coverage of NPLsn/an/a61.5x24.6x12.8xn/a
Capital
Tier 1 Leverage Ratio9.07%8.82%9.15%9.52%10.94%+187 bps
Total Risk-Based Capital11.68%12.06%11.84%11.85%12.77%+110 bps
Equity / Assets8.76%8.79%9.12%9.58%11.49%+273 bps
Liquidity & Funding
Loans / Deposits90.04%85.69%90.92%97.27%106.59%+1,655 bps
Liquid Assets / Assets18.09%20.07%15.91%14.11%4.56%-1,353 bps
CRE / Total Capitaln/an/an/an/an/an/an/a