Financial Information

CFG Bank. More confidence.

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

  • "A" rating from Egan Jones
  • 300/300 "Superior" IDC Rating
  • Ranked #11 in the country by S&P Global Market Intelligence for best-performing community banks with less than $3 billion in assets in 2021
  • 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

Q1 2022 Capital Funding Bancorp, Inc. Bondholder Presentation


Balance Sheet

  12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
3/31/22 
YTD
Total Assets ($000s) $1,226,251 $1,714,351 $2,634,154 $2,776,207
Total Loans ($000s) $915,454 $1,291,544 $1,915,628 $2,054,050
Total Deposits ($000s) $1,044,098 $1,494,580  $2,225,121 $2,366,510
Loan Growth 31.5% 41.1% 48.3% 8.5%
Loans/Deposits 87.7% 86.4% 86.1% 86.8%

 

Performance Measures

  12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
3/31/22 
YTD
Net Income ($000s)* $19,968 $34,874  $76,423  $20,697
ROAA* 1.95% 2.10% 3.68% 3.09%
ROAE* 11.91% 20.36% 35.07% 32.77%
Net Interest Margin 4.82% 3.66% 5.08% 5.09%
Efficiency Ratio 62.97% 48.60% 42.17% 46.70%

 

Capital Ratios

  12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
3/31/22 
YTD
Risk-Based Capital Ratio** 15.27% N/A N/A  N/A 
Tier 1 Risk-Based Ratio** 14.00% N/A N/A  N/A 
Leverage Ratio 12.65% 9.22% 10.46% 9.76%

 

Asset Quality

  12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
3/31/22 
YTD
Non-Performing Loans 0.99% 1.46% 0.33% 0.35%
Non-Performing Assets 0.74% 1.19% 0.30% 0.32%
Loan Loss Reserves/Loans 2.06% 2.11% 1.89% 1.87%
Loan Loss Reserves/NPLs 208.1% 144.3% 556.1% 516.3%
Texas Ratio 5.6% 9.8% 2.8% 3.0%

 

  12/31/19
YTD
12/31/20
YTD
12/31/21 
YTD
3/31/22 
YTD
Full Time Employees 132 147 174 189

 

Ratings

  12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
3/31/22 
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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