CapitalMark Bank & Trust

CapitalMark Bank & Trust is headquartered in Chattanooga and is the 17^st largest bank in the state of Tennessee. It is also the 990^th largest bank in the nation. It was established in 2007 and as of December of 2011, it had grown to 76 employees at 2 locations. CapitalMark Bank & Trust has a 5-star health rating.

CapitalMark Bank & Trust Routing Number: 061309229

Data for Q4 2011

Institution Statistics CapitalMark Bank & Trust FDIC Certificate # 58507 BankRate Report View Year Established 2007 Employees 76 Primary Regulator FED Assets and Liabilities Assets $662.07 million Loans $358.65 million Deposits $572.97 million Equity Capital $70.70 million Loan Loss Allowance $4.56 million Unbacked Noncurrent Loans $5.52 million Real Estate Owned $2.72 million Historic Data - December 2010 Assets $464.04 million Equity Capital $46.19 million Loan Loss Allowance $6.02 million Unbacked Noncurrent Loans $7.84 million Real Estate Owned $3.78 million Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.63% Return on Equity 5.95% Interest Income $24.25 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 CapitalMark Bank & Trust had $8.24 million in non-current loans and owned real-estate with $75.26 million in equity and loan loss allowances on hand to cover it. This gives CapitalMark Bank & Trust a Texas Ratio of 10.95% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for CapitalMark Bank & Trust decreased significantly from 22.25% as of December 31, 2010 to 10.95% as of December 31, 2011, resulting in a positive change of 50.80%.This indicates that the balance sheet and financial strength for CapitalMark Bank & Trust has improved significantly in recent periods. Deposit Growth In the past year, CapitalMark Bank & Trust has increased its total deposits by $167.01 million, resulting in 41.14% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CapitalMark Bank & Trust has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CapitalMark Bank & Trust has $662.07 million in assets with $75.26 million in equity, resulting in a capitalization level of 11.37%, which is above average.

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