Financial Information

CFG Bank. More confidence.

CFG, the 2nd largest bank headquartered in Baltimore, Maryland, has:

  • "A" rating from Egan Jones
  • 300/300 "Superior" IDC Rating
  • National ranking by the Independent Community Bankers of America, as a top performing bank as part of its annual "Best of the Best" list
  • An A+ health rating from DepositAccounts.com

Q2 2021 Capital Funding Bancorp, Inc. Bondholder Presentation


Balance Sheet

  12/31/18 YTD 12/31/19 YTD 12/31/20 YTD 6/30/21 YTD
Total Assets ($000s) $832,274 $1,226,251 $1,714,351 $2,045,459 
Total Loans ($000s) $696,120 $915,454 $1,291,544 $1,521,141 
Total Deposits ($000s) $659,577 $1,044,098 $1,494,580  $1,708,201
Loan Growth 19.3% 31.5% 41.1% 17.7%
Loans/Deposits 105.5% 87.7% 86.4% 89.1%

 

Performance Measures

  12/31/18 YTD 12/31/19 YTD 12/31/20 YTD 6/30/21 YTD
Net Income ($000s)* $24,595 $19,968 $34,874  $38,996 
ROAA* 3.20% 1.95% 2.10% 4.17%
ROAE* 18.64% 11.91% 20.36% 39.11%
Net Interest Margin 5.0% 4.8% 3.66% 4.63%
Efficiency Ratio 55.8% 63.0% 48.60% 40.49%

 

Capital Ratios

  12/31/18 YTD 12/31/19 YTD 12/31/20 YTD 6/30/21 YTD
Risk-Based Capital Ratio** 20.87% 15.27% N/A N/A 
Tier 1 Risk-Based Ratio** 19.58% 14.00% N/A N/A 
Leverage Ratio 17.46% 12.65% 9.22% 11.87%

 

Asset Quality

  12/31/18 YTD 12/31/19 YTD 12/31/20 YTD 6/30/21 YTD
Non-Performing Loans 1.89% 0.99% 1.46% 1.23%
Non-Performing Assets 1.59% 0.74% 1.19% 0.98%
Loan Loss Reserves/Loans 2.24% 2.06% 2.11% 2.03%
Loan Loss Reserves/NPLs 118.0% 208.1% 144.3% 164.5%
Texas Ratio 8.7% 5.6% 9.8% 7.9%

 

  12/31/18 YTD 12/31/19 YTD 12/31/20 YTD 6/30/21 YTD
Full Time Employees 125 132 147 163

 

Ratings

  12/31/18 YTD 12/31/19 YTD 12/31/20 YTD 6/30/21 YTD
IDC 300 300 300 300
Egan Jones Rating A A A A
Source: S&P Global Market Intelligence derived from selected FFIEC Call Report data for the periods presented.
*These performance measures reflect S Corporation earnings and are accordingly not tax effected.
**Effective with the filing of the 9/30/20 Call Report, CFG Community Bank elected the Community Bank. Leverage
Ratio and the Risk-Based and Tier 1 Risk -Based capital ratios were no longer required.

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