# CAPITOL CITY BANK&TRUST CO
ATLANTA, GA · FDIC certificate 33938 · asset band <$300M · latest filing 2014-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $272.3M | |
| Deposits | $262.7M | |
| Loans and leases | $189.9M | |
| Total equity | $3.4M | |
| Loans / deposits | 70.26% (p48 of band) | 71.50% |
| Liquid assets / assets | 18.61% (p17 of band) | |
| Uninsured deposits / deposits | 4.19% (p10 of band) | 13.21% |
| Brokered deposits | 0.04% | |
| Wholesale funding | 2.06% (p50 of band) | |
| FHLB advances / assets | 2.02% | |
| Tier 1 leverage | 1.57% (p0 of band) | 10.45% |
| Unrealized securities loss / equity | -27.87% (p0 of band) | 0.49% |
| AOCI / equity | 44.72% (p100 of band) | |
| ROA (annualized) | -1.20% (p2 of band) | 0.81% |
| Net interest margin | 3.36% (p33 of band) | 3.66% |
| Efficiency ratio | 110.11% (p95 of band) | |
| Noncurrent loans | 9.61% (p99 of band) | 0.76% |
| Net charge-offs (annualized) | 1.17% (p99 of band) | |
| Reserve coverage of noncurrent | 29.31% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 170.35% (p99 of band) | |
| Auto loans | $1.4M (0.75% of loans; DQ 2.67%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.7% | |
| Employees | 76 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, leverage <5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 8 | losing money, charge-offs p90 |  |
| 2011-12 | 8 | capital falling | charge-offs p90 |
| 2012-03 | 8 | charge-offs p90 | construction >100% equity |
| 2012-06 | 6 |  | capital falling, charge-offs p90 |
| 2012-09 | 6 |  |  |
| 2012-12 | 8 | expense ratio p90, uninsured deposits leaving |  |
| 2013-03 | 9 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 10 | construction >100% equity |  |
| 2013-09 | 12 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2013-12 | 12 |  |  |
| 2014-03 | 12 | assets shrinking | AOCI drag >20% of equity |
| 2014-06 | 12 | uninsured deposits leaving | assets shrinking |
| 2014-09 | 12 | assets shrinking | capital falling |
| 2014-12 | 11 |  | securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33938 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "33938", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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