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Capitalmark Bank & Trust

Chattanooga, TN · Cert 58507

FDIC · 4 branches

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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

Capitalmark Bank & Trust

Chattanooga, TN · Cert 58507

FDIC · 4 branches

Q2 2015

$1.0BAssets
$855.2MLoans
$910.1MDeposits
$100.3MEquity
Loan mix
67%RE $481.8M31%C&I $221.1M2%Consumer $13.3MQ2 2014Q2 2015
Deposit mix
80%Interest-bearing $729.5M20%Noninterest $180.6MQ2 2014Q2 2015

NIM

3.95%Q2 ’133.95%Q2 ’143.93%Q2 ’15+2%+0%

Non-interest income vs. expense

2.66%Q2 ’132.34%Q2 ’142.26%Q2 ’15-9%-4%

Market Position · Chattanooga, TN-GA · 2015 SOD (annual) · 6.6% share · #4 of 28 inst. · $0.6B of $9.0B

8.2% Hamilton
1.2% Knox
8.0% Bradley
7.6% Anderson

Executive Summary

  • Earnings: ROA of 1.02%, up 25 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.93%.
  • Funding: loans stand at 93.97% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

1.02%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+2 bps YoY

Efficiency Ratio (YTD, annualized)

58.26%-245 bps YoY

Tier 1 Leverage Ratio

9.93%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.77%0.74%0.83%0.97%1.02%+25 bps
Return on Equity7.53%7.24%8.16%9.52%10.21%+268 bps
Net Interest Margin3.53%3.51%3.43%3.65%3.54%+2 bps
Efficiency Ratio60.70%59.64%59.03%59.66%58.26%-245 bps
Non-Interest Burden2.01%1.96%1.89%2.03%1.92%-9 bps
Growth
Asset Growth (YoY)13.48%14.04%12.34%9.64%19.33%+585 bps
Loan Growth (YoY)25.31%22.34%23.02%23.45%31.66%+636 bps
Deposit Growth (YoY)10.06%15.13%13.98%11.91%23.66%+1,360 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.17%0.36%0.42%0.05%0.00%-17 bps
Allowance / Loans1.25%1.23%1.00%0.96%0.89%-36 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a10.48%9.93%n/a
Total Risk-Based Capital13.71%13.03%12.66%11.55%10.76%-295 bps
Equity / Assets10.35%10.12%10.24%10.18%9.56%-79 bps
Liquidity & Funding
Loans / Deposits88.25%85.99%91.98%91.08%93.97%+571 bps
Liquid Assets / Assets0.62%0.27%0.36%0.71%0.48%-14 bps
CRE / Total Capitaln/an/an/an/an/an/an/a