Capitol City Bank & Trust Company

Capitol City Bank & Trust Company is headquartered in Atlanta and is the 58^th largest bank in the state of Georgia. It is also the 2,178^th largest bank in the nation. It was established in 1994 and as of December of 2011, it had grown to 81 employees at 8 locations. Capitol City Bank & Trust Company's money market rates are 14% higher than the national average, but it has a 1-star health rating.

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Data for Q4 2011

Institution Statistics Capitol City Bank & Trust Company FDIC Certificate # 33938 BankRate Report View Year Established 1994 Employees 81 Primary Regulator FDIC Assets and Liabilities Assets $296.25 million Loans $215.46 million Deposits $276.95 million Equity Capital $12.68 million Loan Loss Allowance $4.97 million Unbacked Noncurrent Loans $25.72 million Real Estate Owned $18.31 million Historic Data - December 2010 Assets $295.07 million Equity Capital $12.89 million Loan Loss Allowance $5.22 million Unbacked Noncurrent Loans $30.17 million Real Estate Owned $8.92 million Profit Margin - Quarterly Net Interest Margin 3.39% Return on Assets -0.27% Return on Equity -6.07% Interest Income $14.61 million

Institution Health Overall Score: 1 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 Capitol City Bank & Trust Company had $44.02 million in non-current loans and owned real-estate with $17.65 million in equity and loan loss allowances on hand to cover it. This gives Capitol City Bank & Trust Company a Texas Ratio of 249.46% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Capitol City Bank & Trust Company increased slightly from 215.76% as of December 31, 2010 to 249.46% as of December 31, 2011, resulting in a negative change of 15.62%. This indicates that the balance sheet and financial strength for Capitol City Bank & Trust Company has declined slightly in recent periods. Deposit Growth In the past year, Capitol City Bank & Trust Company has increased its total deposits by $1.61 million, resulting in 0.59% 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 Capitol City Bank & Trust Company has shown is average. 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. Capitol City Bank & Trust Company has $296.25 million in assets with $17.65 million in equity, resulting in a capitalization level of 5.96%, which is below average.

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