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CapitalMark Profits Double

Chattanooga, Tennessee – April 12, 2012 – CapitalMark Bank & Trust today reported earnings for the first quarter ended March 31, 2012.

“We are pleased to report especially strong results for the quarter, with a doubling of net income when compared to our first quarter last year. Our credit quality, which compares favorably to our peers, continues to strengthen. Lastly, our solid earnings are supported by balance sheet growth that places CapitalMark at a record $710 million in total assets,” said R. Craig Holley, CapitalMark’s Chairman, President and CEO.


  • Net Income was $1.5 million increasing 109.8% over the first quarter 2011.
  • Net income per fully diluted common share was $.21 for the quarter, up from $.10 in the same quarter last year.
  • Total Assets were $710 million representing a 44.6% increase year-over-year.
  • Deposits totaled $620 million, a 42.7% increase over the first quarter 2011.
  • Loans were $390 million representing growth of 22.9% year-over-year.
  • Tier 1 Leverage Ratio was 10.3%.
  • Non-Performing Assets to Total Assets Ratio decreased to 1.16% from 1.24% in the prior quarter.

Mr. Holley continued, “CapitalMark remains in a strong competitive position as the banking industry nationally shows signs of recovery. Furthermore, the Directors are entertaining an additional capital raise in 2012 to help CapitalMark fuel its growth as the bank adds Banker Teams and expands into new markets in Oak Ridge and Cleveland, Tennessee.”

 About CapitalMark Bank & Trust:

CapitalMark Bank & Trust offers a wide range of banking and trust services to businesses and individuals. Founded March 5, 2007, CapitalMark has locations in Chattanooga and Knoxville and received regulatory approval to open offices in Oak Ridge and Cleveland, TN. Additional information about CapitalMark and its full line of products and services can be found at

 Statements made in this press release, other than those concerning historical information, should be considered forward-looking and subject to various risks and uncertainties. Such forward-looking statements are made based upon management’s belief as well as assumptions made by, and information currently available to, management pursuant to “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. Our actual results may differ materially from the results anticipated in forward-looking statements due to a variety of factors, including governmental monetary and fiscal policies, deposit levels, loan demand, loan collateral values, securities portfolio values, interest rate risk management, the effects of competition in the banking business from other commercial banks, thrifts, mortgage banking firms, consumer finance companies, credit unions, securities brokerage firms, insurance companies, money market funds and other financial institutions operating in our market area and elsewhere, including institutions operating through the Internet, changes in governmental regulation relating to the banking industry, including regulations relating to branching and acquisitions, failure of assumptions underlying the establishment of reserves for loan losses, including the value of collateral underlying delinquent loans, and other factors. We caution that such factors are not exclusive. We do not undertake to update any forward-looking statement that may be made from time to time by, or on behalf of, us.



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