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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 $13.3MQ3 2013Q2 2015
Deposit mix
80%Interest-bearing $729.5M20%Noninterest $180.6MQ3 2013Q2 2015

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 1.07%, up 33 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 9.93%.
  • Funding: loans stand at 93.97% of deposits as of Q2 2015.

Return on Assets (quarter, annualized)

1.07%+33 bps YoY

Net Interest Margin (quarter, annualized)

3.71%+15 bps YoY

Efficiency Ratio (quarter, annualized)

56.96%-267 bps YoY

Tier 1 Leverage Ratio

9.93%

NIM

4.04%Q2 ’133.99%Q2 ’144.13%Q2 ’150%+4%

Non-interest income vs. expense

2.66%Q2 ’132.33%Q2 ’142.30%Q2 ’15-5%-1%

Discrete quarter, annualized.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.65%1.06%0.79%0.74%0.68%1.10%0.97%1.07%+33 bps
Return on Equity6.09%10.17%7.79%7.28%6.65%10.80%9.52%10.86%+359 bps
Net Interest Margin3.67%3.71%3.53%3.56%3.66%3.65%3.65%3.71%+15 bps
Efficiency Ratio68.11%54.54%61.80%59.64%57.67%57.35%59.66%56.96%-267 bps
Non-Interest Burden2.41%1.83%2.06%1.98%1.94%1.93%2.03%1.97%-1 bps
Growth
Asset Growth (YoY)4.96%6.16%11.79%13.48%14.04%12.34%9.64%19.33%+585 bps
Loan Growth (YoY)27.61%27.11%31.38%25.31%22.34%23.02%23.45%31.66%+636 bps
Deposit Growth (YoY)4.01%1.82%10.16%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.43%-0.02%-0.02%0.35%0.76%0.65%0.05%-0.05%-41 bps
Allowance / Loans1.18%1.22%1.25%1.25%1.23%1.00%0.96%0.89%-36 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a10.48%9.93%n/a
Total Risk-Based Capital14.72%14.59%14.10%13.71%13.03%12.66%11.55%10.76%-295 bps
Equity / Assets10.53%10.29%9.97%10.35%10.12%10.24%10.18%9.56%-79 bps
Liquidity & Funding
Loans / Deposits80.92%85.22%82.57%88.25%85.99%91.98%91.08%93.97%+571 bps
Liquid Assets / Assets1.81%1.71%2.10%0.62%0.27%0.36%0.71%0.48%-14 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a