{"id":516883,"date":"2021-07-22T17:24:57","date_gmt":"2021-07-22T21:24:57","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/capstar-reports-second-quarter-2021-results\/"},"modified":"2021-07-22T17:24:57","modified_gmt":"2021-07-22T21:24:57","slug":"capstar-reports-second-quarter-2021-results","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/capstar-reports-second-quarter-2021-results\/","title":{"rendered":"CapStar Reports Second Quarter 2021 Results"},"content":{"rendered":"
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NASHVILLE, Tenn., July 22, 2021 (GLOBE NEWSWIRE) — CapStar Financial Holdings, Inc. (\u201cCapStar\u201d) (NASDAQ:CSTR)<\/strong> today reported net income of $12.1 million or $0.54 per diluted share, for the quarter ended June 30, 2021, compared with net income of $11.0 million or $0.50 per diluted share, for the quarter ended March 31, 2021, and net income of $6.2 million or $0.34 per diluted share, for the quarter ended June 30, 2020. Annualized return on average assets and return on average equity for the quarter ended June 30, 2021 were 1.57 percent and 13.50 percent, respectively. Second quarter 2021 noninterest expense included $256,000 in acquisition related costs.<\/p>\n

For the six months ended June 30, 2021, the Company reported net income of $23.1 million or $1.04 per diluted share, compared with $7.5 million or $0.41 per diluted share, for the same period of 2020. Year to date 2021 annualized return on average assets and return on average equity were 1.51 percent and 13.13 percent, respectively. Year to date 2021 noninterest expense included $323,000 in acquisition related costs.<\/p>\n\n\n\n\n\n\n
\n Four Key Drivers<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Targets<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 2Q21<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 1Q21<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 2Q20<\/strong>\n <\/td>\n<\/tr>\n
Annualized revenue growth<\/td>\n\u00a0<\/td>\n> 5%<\/td>\n\u00a0<\/td>\n8.96%<\/td>\n\u00a0<\/td>\n-22.41%<\/td>\n\u00a0<\/td>\n106.43%<\/td>\n<\/tr>\n
Net interest margin<\/td>\n\u00a0<\/td>\n\u2265 3.60%<\/td>\n\u00a0<\/td>\n3.26%<\/td>\n\u00a0<\/td>\n3.13%<\/td>\n\u00a0<\/td>\n3.23%<\/td>\n<\/tr>\n
Efficiency ratio<\/td>\n\u00a0<\/td>\n\u2264 55%<\/td>\n\u00a0<\/td>\n57.97%<\/td>\n\u00a0<\/td>\n54.08%<\/td>\n\u00a0<\/td>\n66.44%<\/td>\n<\/tr>\n
Annualized net charge-offs to average loans<\/td>\n\u00a0<\/td>\n\u2264 0.25%<\/td>\n\u00a0<\/td>\n0.01%<\/td>\n\u00a0<\/td>\n0.00%<\/td>\n\u00a0<\/td>\n0.18%<\/td>\n<\/tr>\n<\/table>\n

\u201cOur second quarter results reflect strong, profitable growth resulting from the hard work of our dedicated employees.\u00a0 As we continue to execute on our strategic plan, we are enhancing profitability and accelerating in-market revenue growth while maintaining outstanding credit quality and customer service,\u201d said Timothy K. Schools, President and Chief Executive Officer of CapStar.\u00a0\u201cThe highlights of the second quarter include record noninterest bearing and total deposit balances; loan production, loan balances, and loan pipeline; earnings per share; book value per share; stock price; and market capitalization.\u00a0Additionally, our criticized and classified loans as a percentage of total loans and classified loans to total risk-based capital ratios are returning to more traditional pre-pandemic levels.\u00a0Our results benefited from increased PPP forgiveness and while these earnings are temporary in nature, they represent the tremendous effort and customer service provided by our teammates during the pandemic and are reflective of the Company\u2019s capabilities.\u00a0Looking forward, we are excited and optimistic about the many opportunities we have to expand our highly responsive and customer centric banking model across Tennessee, cited in a recent CNBC study as having our nation\u2019s second best economy and as the fifth best place for business among all fifty states. With four Tennessee-based, $1 billion and greater financial institutions being acquired within our markets over the past twelve months, CapStar is poised to become one of Tennessee\u2019s leading locally-based banks.\u201d<\/p>\n

\n Revenue<\/strong><\/p>\n

Total revenue, defined as net interest income plus noninterest income, increased $0.7 million to $32.9 million from the prior quarter.\u00a0Net interest income totaled $23.0 million, an increase of $0.9 million compared to the first quarter of 2021, principally from income related to increased forgiveness of PPP loans. Second quarter 2021 noninterest income totaled $9.9 million, a decline of $131,000 from the prior quarter.<\/p>\n

Second quarter 2021 average earning assets of $2.85 billion remained essentially unchanged from first quarter 2021, as strong growth in loans held for investment offset declines in low-yielding interest earning cash and PPP balances. Average loans held for investment, excluding PPP balances, increased $40.8 million from the prior quarter, or 9.4 percent linked-quarter annualized. Loan growth accelerated during the second quarter of 2021 with end of period loans held for investment, excluding PPP balances, increasing $67.6 million, or 15.7 percent linked-quarter annualized. Due to a significant increase in deposits over the past year, average loans as a percentage of average earning assets was 68.4 percent for second quarter 2021. The Company\u2019s commercial loan pipeline is at a record level, approaching $500 million, comprised principally of CapStar-led Tennessee-based loans, presenting the Company a tremendous opportunity to utilize current excess liquidity and capital to grow revenue and net income.<\/p>\n

The Company\u2019s net interest margin continues to be positively and negatively impacted from the effects of the recent pandemic. For the second quarter of 2021, the net interest margin increased 13 basis points from the prior quarter to 3.26 percent. The Company’s net interest margin continues to be impacted by revenues related to PPP loans, as well as significant growth in deposit balances over the past year. Adjusting for the influence of PPP and excess deposits, the Company estimates its second quarter 2021 net interest margin was 3.36 percent, an increase of 1 basis point compared to the first quarter of 2021.\u00a0<\/p>\n

Within the adjusted net interest margin, the Company continued to experience favorable deposit trends. Average deposits totaled $2.66 billion in the second quarter of 2021, unchanged from the prior quarter. The Company experienced a favorable mix shift as average interest-bearing deposits declined $46.2 million, led by a $34.2 million reduction in higher cost time deposits. While the Company is experiencing a period of excess liquidity, a key longer-term strategic initiative is to create a stronger deposit-led culture with an emphasis on lower cost relationship-based deposits. During the quarter, the Company\u2019s two lowest cost deposit categories, noninterest bearing and savings, increased $55.8 million on average from the prior quarter, or 27.8 percent linked-quarter annualized. Deposit costs declined across all interest-bearing account types leading to a 6 basis point decline to 0.29 percent. Combined with the favorable shift in noninterest bearing deposits, total deposit costs improved 5 basis points to 0.21 percent.<\/p>\n

Noninterest income during the quarter benefitted from record interchange and debit card transaction fees, Tri-Net revenues, wealth management revenues, as well as continued strength in SBA revenues. While mortgage revenues declined from record levels, they remain high relative to past performance, and the Company strengthened its position during the quarter by hiring one of Nashville\u2019s leading mortgage loan originators.<\/p>\n

\n Noninterest Expense and Operating Efficiency<\/strong>\n <\/p>\n

Noninterest expenses increased $1.7 million from the first quarter of 2021 to $19.1 million in the second quarter of 2021. Second quarter 2021 noninterest expense included approximately $3.0 million associated with the Company’s 2021 incentive plan. Given the Company’s performance in the first two quarters of 2021 and the outlook for the remainder of the year, the incentive accrual was increased $1.5 million in anticipation of reaching maximum payout. Data processing fees increased approximately $1 million for the quarter ended June 30, 2021 compared to the same period in 2020 due to increased transaction volumes related to the Company’s recent acquisitions and services related to the processing of PPP loans. As noted above, second quarter 2021 noninterest expense included $256,000 in acquisition related costs.<\/p>\n

Efficiency is a key focus and the Company uses three metrics to monitor its performance relative to peers: efficiency ratio (noninterest expense as a percentage of total revenue), noninterest expense as a percentage of assets, and assets per employee. For the quarter ended June 30, 2021, the efficiency ratio was 57.97 percent, an increase from 54.08 percent in the first quarter of 2021. Annualized noninterest expense as a percentage of average assets increased to 2.49 percent for the quarter ended June 30, 2021 compared to 2.29 percent for the quarter ended March 31, 2021. Assets per employee improved to $8.4 million as of June 30, 2021 compared to $8.3 million for the previous quarter.<\/p>\n

\n Asset Quality<\/strong>\n <\/p>\n

Asset quality is a core tenant of the Company\u2019s culture.\u00a0Sound risk management and an improving economy led to low net charge-offs and strong credit metrics.\u00a0Annualized net charge offs to average loans for the three months ended June 30, 2021 remained low at 0.01 percent.\u00a0Past due loans as a percentage of total loans held for investment were 0.49 percent at June 30, 2021, compared to 0.43 percent at March 31, 2021. Within this amount, loans greater than 90 days past due totaled\u00a0$2.4 million, or 0.13 percent of loans held for investment at June 30, 2021, compared to 0.14 percent at March 31, 2021. Non-performing assets to total loans and OREO were 0.22 percent at June 30, 2021, an improvement from 0.30 percent at March 31, 2021.\u00a0Criticized and classified loans to total loans, which elevated during the pandemic, continued to improve and were 3.93 percent at June 30, 2021.<\/p>\n

As a result of the Company\u2019s quarterly analysis of the adequacy of the allowance for credit losses, the Company released reserves during the quarter based on improved asset quality trends and other qualitative factors.\u00a0In addition to providing reserves for the strong loan growth experienced during the second quarter, the allowance for loan losses declined $1.1 million.\u00a0As a result, the allowance for loan losses plus the fair value mark on acquired loans to total loans, less PPP loans, declined 13 basis points to 1.46 percent at June 30, 2021 from 1.59 percent at March 31, 2021.\u00a0<\/p>\n\n\n\n\n\n\n\n\n\n\n
\n Asset Quality Data:<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 6\/30\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
Annualized net charge-offs (recoveries) to average loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.01<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.00<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.02<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.00<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n%<\/td>\n<\/tr>\n
Criticized and classified loans to total loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.93<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.37<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.44<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.61<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.25<\/td>\n%<\/td>\n<\/tr>\n
Classified loans to total risk-based capital<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.08<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.43<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.88<\/td>\n%<\/td>\n<\/tr>\n
Loans- past due to total end of period loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.43<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.12<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.44<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.32<\/td>\n%<\/td>\n<\/tr>\n
Loans- over 89 days past due to total end of period loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.13<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.14<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.09<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.09<\/td>\n%<\/td>\n<\/tr>\n
Non-performing assets to total loans and OREO<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.22<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.30<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.28<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.16<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.20<\/td>\n%<\/td>\n<\/tr>\n
Allowance for loan losses plus fair value marks \/ Non-PPP Loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.46<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.59<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.61<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.73<\/td>\n%<\/td>\n<\/tr>\n
Allowance for loan losses to non-performing loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n571<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n446<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n483<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n787<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n705<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n Income Tax Expense<\/strong>\n <\/p>\n

The Company\u2019s effective income tax rate for the second quarter of 2021 was 19.0 percent, a decline from 22.0. percent in the prior quarter ended March 31, 2021. The decrease was primarily attributable to adjustments to the tax provision related to changes in tax strategy and updated expected results for the year. The Company anticipates its effective tax rate for 2021 to be approximately 21.0 percent.<\/p>\n

\n Capital<\/strong>\n <\/p>\n

The Company continues to be strongly capitalized with tangible equity of $311.1 million at June 30, 2021.\u00a0Tangible book value per share of common stock for the quarter ended June 30, 2021 increased to $14.03 compared to $13.34 and $13.02 for the quarters ended March 31, 2021 and June 30, 2020, respectively.\u00a0The regulatory capital ratios in the table below are significantly above levels required to be considered \u201cwell capitalized,” which is the highest possible regulatory designation.<\/p>\n\n\n\n\n\n
\n Capital ratios:<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 6\/30\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
Total risk-based capital<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.13<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.29<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.96<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.76<\/td>\n%<\/td>\n<\/tr>\n
Common equity tier 1 capital<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.78<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.79<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.39<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.76<\/td>\n%<\/td>\n<\/tr>\n
Leverage<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.17<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.78<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.60<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.08<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

In the second quarter of 2021, the Company did not repurchase common stock under its share repurchase program. The total remaining authorization for future repurchases was $29.7 million as of June 30, 2021.\u00a0<\/p>\n

\n Dividend<\/strong>\n <\/p>\n

On July 22, 2021, the Board of Directors of CapStar approved a quarterly cash dividend of $0.06 per common share payable on August 25, 2021 to shareholders of record as of August 11, 2021.<\/p>\n

\n Conference Call and Webcast Information<\/strong>\n <\/p>\n

CapStar will host a conference call and webcast at 9:00 a.m. Central Time on Friday, July 23, 2021. During the call, management will review the second quarter results and operational highlights. Interested parties may listen to the call by dialing (844) 412-1002. The conference ID number is 2976541. A simultaneous webcast may be accessed on CapStar\u2019s website at\u00a0ir.capstarbank.com by clicking on \u201cNews & Events.\u201d An archived version of the webcast will be available in the same location shortly after the live call has ended.<\/p>\n

\n About CapStar Financial Holdings, Inc. <\/strong>\n <\/p>\n

CapStar Financial Holdings, Inc. is a bank holding company headquartered in Nashville, Tennessee and operates primarily through its wholly owned subsidiary, CapStar Bank, a Tennessee-chartered state bank. CapStar Bank is a commercial bank that seeks to establish and maintain comprehensive relationships with its clients by delivering customized and creative banking solutions and superior client service. As of June 30, 2021, on a consolidated basis, CapStar had total assets of $3.2 billion, total loans of $1.9 billion, total deposits of $2.8 billion, and shareholders\u2019 equity of $359.8 million. Visit www.capstarbank.com<\/a> for more information.<\/p>\n

NON-GAAP MEASURES<\/strong><\/p>\n

This release includes financial information determined by methods other than in accordance with generally accepted accounting principles (\u201cGAAP\u201d). This financial information includes certain operating performance measures, which exclude merger-related and other charges that are not considered part of recurring operations. Such measures include: \u201cEfficiency ratio \u2013 operating,\u201d \u201cExpenses \u2013 operating,\u201d \u201cEarnings per share \u2013 operating,\u201d \u201cDiluted earnings per share \u2013 operating,\u201d \u201cTangible book value per share,\u201d \u201cReturn on common equity \u2013 operating,\u201d \u201cReturn on tangible common equity \u2013 operating,\u201d \u201cReturn on assets \u2013 operating,\u201d and \u201cTangible common equity to tangible assets.\u201d<\/p>\n

Management has included these non-GAAP measures because it believes these measures may provide useful supplemental information for evaluating CapStar\u2019s underlying performance trends. Further, management uses these measures in managing and evaluating CapStar\u2019s business and intends to refer to them in discussions about our operations and performance. Operating performance measures should be viewed in addition to, and not as an alternative to or substitute for, measures determined in accordance with GAAP, and are not necessarily comparable to non-GAAP measures that may be presented by other companies. To the extent applicable, reconciliations of these non-GAAP measures to the most directly comparable GAAP measures can be found in the \u2018Non-GAAP Reconciliation Tables\u2019 included in the exhibits to this presentation.<\/p>\n

\n \n <\/p>\n

\n CAPSTAR FINANCIAL HOLDINGS, INC. AND SUBSIDIARY<\/strong>
\n
\n Consolidated Statements of Income (unaudited) (dollars in thousands, except share data)<\/strong>
\n
\n Second quarter 2021 Earnings Release<\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n Six Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n June\u00a030,<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n June\u00a030,<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans, including fees<\/td>\n\u00a0<\/td>\n$<\/td>\n22,572<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19,086<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n44,586<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n38,823<\/td>\n\u00a0<\/td>\n<\/tr>\n
Securities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Taxable<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,640<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,096<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,244<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,272<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax-exempt<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n356<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n312<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n722<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n633<\/td>\n\u00a0<\/td>\n<\/tr>\n
Federal funds sold<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Restricted equity securities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n160<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n140<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n321<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n282<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-bearing deposits in financial institutions<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n107<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n234<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n469<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0 \u00a0Total interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,741<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,110<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,479<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest expense:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-bearing deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n379<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n831<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n826<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,732<\/td>\n\u00a0<\/td>\n<\/tr>\n
Savings and money market accounts<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n295<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n731<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n608<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,283<\/td>\n\u00a0<\/td>\n<\/tr>\n
Time deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n732<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,416<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,663<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,897<\/td>\n\u00a0<\/td>\n<\/tr>\n
Federal funds purchased<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Securities sold under agreements to repurchase<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Federal Home Loan Bank advances<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n88<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n231<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n788<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,800<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,066<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,897<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,143<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,032<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,675<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,213<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34,336<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,065<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,624<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(415<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,177<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income after provision for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,051<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,628<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,159<\/td>\n\u00a0<\/td>\n<\/tr>\n
Noninterest income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposit service charges<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n691<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,211<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,466<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interchange and debit card transaction fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,227<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n729<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,318<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,454<\/td>\n\u00a0<\/td>\n<\/tr>\n
Mortgage banking<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,910<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,123<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,625<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,376<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tri-Net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,536<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,260<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,679<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,860<\/td>\n\u00a0<\/td>\n<\/tr>\n
Wealth management<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n471<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n374<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n931<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n781<\/td>\n\u00a0<\/td>\n<\/tr>\n
SBA lending<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n377<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n870<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net gain (loss) on sale of securities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other noninterest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,266<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n620<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,671<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0Total noninterest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,883<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,823<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,897<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,697<\/td>\n\u00a0<\/td>\n<\/tr>\n
Noninterest expense:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Salaries and employee benefits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,803<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,305<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,229<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,307<\/td>\n\u00a0<\/td>\n<\/tr>\n
Data processing and software<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,070<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,100<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,898<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,964<\/td>\n\u00a0<\/td>\n<\/tr>\n
Occupancy<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,057<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n797<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,165<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,616<\/td>\n\u00a0<\/td>\n<\/tr>\n
Equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n680<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,880<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,431<\/td>\n\u00a0<\/td>\n<\/tr>\n
Professional services<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n460<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n581<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,165<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,216<\/td>\n\u00a0<\/td>\n<\/tr>\n
Regulatory fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n211<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n333<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n467<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n496<\/td>\n\u00a0<\/td>\n<\/tr>\n
Acquisition related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n256<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n448<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n323<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n738<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of intangibles<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n493<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n375<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,001<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n761<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other operating<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,750<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,315<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,364<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,616<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0Total noninterest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,080<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,934<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,492<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33,145<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0Income before income taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,900<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,940<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,033<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,711<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income tax expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,824<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,759<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,927<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,184<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0Net income<\/td>\n\u00a0<\/td>\n$<\/td>\n12,076<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n6,181<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n23,106<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n7,527<\/td>\n\u00a0<\/td>\n<\/tr>\n
Per share information:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic net income per share of common stock<\/td>\n\u00a0<\/td>\n$<\/td>\n0.55<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.05<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.41<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted net income per share of common stock<\/td>\n\u00a0<\/td>\n$<\/td>\n0.54<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.04<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.41<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted average shares outstanding:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,133,759<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,307,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,089,874<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,349,998<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,198,829<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,320,006<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,138,052<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,381,866<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

This information is preliminary and based on CapStar data available at the time of this earnings release.<\/p>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n CAPSTAR FINANCIAL HOLDINGS, INC. AND SUBSIDIARY<\/strong>
\n
\n Selected Quarterly Financial Data (unaudited) (dollars in thousands, except share data)<\/strong>
\n
\n Second quarter 2021 Earnings Release<\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Five Quarter Comparison<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Income Statement Data:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n23,032<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,182<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,331<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19,656<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,675<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,065<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n650<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n184<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,119<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,624<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income after provision for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,532<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,147<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,537<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,051<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposit service charges<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,102<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n964<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,064<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n691<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interchange and debit card transaction fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,227<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,092<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n782<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n936<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n729<\/td>\n\u00a0<\/td>\n<\/tr>\n
Mortgage banking<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,910<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,716<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,971<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,686<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,123<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tri-Net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,536<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,143<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,165<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n668<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,260<\/td>\n\u00a0<\/td>\n<\/tr>\n
Wealth management<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n471<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n459<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n411<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n382<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n374<\/td>\n\u00a0<\/td>\n<\/tr>\n
SBA lending<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n377<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n492<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n916<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n476<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net gain on sale of securities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n51<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other noninterest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,266<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n984<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,488<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,558<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n620<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,883<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,748<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,804<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,823<\/td>\n\u00a0<\/td>\n<\/tr>\n
Salaries and employee benefits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,803<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,427<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,996<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,949<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,305<\/td>\n\u00a0<\/td>\n<\/tr>\n
Data processing and software<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,070<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,827<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,548<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,353<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,100<\/td>\n\u00a0<\/td>\n<\/tr>\n
Occupancy<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,057<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,108<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n975<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n999<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n797<\/td>\n\u00a0<\/td>\n<\/tr>\n
Equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n899<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n900<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n864<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n680<\/td>\n\u00a0<\/td>\n<\/tr>\n
Professional services<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n460<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n704<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n370<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n638<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n581<\/td>\n\u00a0<\/td>\n<\/tr>\n
Regulatory fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n211<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n257<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n368<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n397<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n333<\/td>\n\u00a0<\/td>\n<\/tr>\n
Acquisition related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n256<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n67<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,105<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,548<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n448<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of intangibles<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n493<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n508<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n524<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n539<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n375<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other operating<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,750<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,616<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,692<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,452<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,315<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,080<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,413<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,478<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,739<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,934<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income before income tax expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,900<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,133<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,417<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,602<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,940<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income tax expense (benefit)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,824<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,736<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,115<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,759<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n$<\/td>\n12,076<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,030<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n7,487<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n6,181<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted average shares – basic<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,133,759<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,045,501<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,960,184<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,948,579<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,307,083<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted average shares – diluted<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,198,829<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,076,600<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,978,925<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,960,490<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,320,006<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income per share, basic<\/td>\n\u00a0<\/td>\n$<\/td>\n0.55<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.50<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.44<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.34<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income per share, diluted<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.54<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.50<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.44<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.34<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Balance Sheet Data (at period end):<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Cash and cash equivalents<\/td>\n\u00a0<\/td>\n$<\/td>\n449,267<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n390,565<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n277,439<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n455,925<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n368,820<\/td>\n\u00a0<\/td>\n<\/tr>\n
Securities available-for-sale<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n500,339<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n474,788<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n486,215<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n308,337<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n223,034<\/td>\n\u00a0<\/td>\n<\/tr>\n
Securities held-to-maturity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,395<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,401<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,407<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,413<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,699<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans held for sale<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n148,251<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n162,269<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n179,669<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n198,603<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,807<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans held for investment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,907,820<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,941,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,891,019<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,906,603<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,592,725<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(22,754<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(23,877<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(23,245<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(23,167<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(21,035<\/td>\n)<\/td>\n<\/tr>\n
Total assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,212,390<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,150,457<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,987,006<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,024,348<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,445,172<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest-bearing deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n782,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n711,606<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n662,934<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n716,707<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n546,974<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-bearing deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,998,024<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,039,595<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,905,067<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,900,835<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,548,592<\/td>\n\u00a0<\/td>\n<\/tr>\n
Federal Home Loan Bank advances and other borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,487<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,455<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,423<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,418<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,464<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,852,639<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,806,513<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,643,520<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,690,453<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,163,222<\/td>\n\u00a0<\/td>\n<\/tr>\n
Shareholders’ equity<\/td>\n\u00a0<\/td>\n$<\/td>\n359,752<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n343,944<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n343,486<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n333,895<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n281,950<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total shares of common stock outstanding<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,165,547<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,089,873<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,988,803<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,947,805<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,302,188<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per share of common stock<\/td>\n\u00a0<\/td>\n$<\/td>\n16.23<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15.57<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15.62<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15.21<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n15.41<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per share of common stock*<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.03<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.36<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.02<\/td>\n\u00a0<\/td>\n<\/tr>\n
Market value per share of common stock<\/td>\n\u00a0<\/td>\n$<\/td>\n20.50<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17.25<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14.75<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9.81<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12.00<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Capital ratios:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total risk-based capital<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.13<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.29<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.96<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.76<\/td>\n%<\/td>\n<\/tr>\n
Tier 1 risk-based capital<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.78<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.79<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.39<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.76<\/td>\n%<\/td>\n<\/tr>\n
Common equity tier 1 capital<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.78<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.79<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.39<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.76<\/td>\n%<\/td>\n<\/tr>\n
Leverage<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.17<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.78<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.60<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.08<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n _____________________<\/u>
\n
*This metric is a non-GAAP financial measure. See Non-GAAP disclaimer in this earnings release and below for discussion and reconciliation to the most directly comparable GAAP financial measure.
This information is preliminary and based on CapStar data available at the time of this earnings release.<\/p>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n CAPSTAR FINANCIAL HOLDINGS, INC. AND SUBSIDIARY<\/strong>
\n
\n Selected Quarterly Financial Data (unaudited) (dollars in thousands, except share data)<\/strong>
\n
\n Second quarter 2021 Earnings Release<\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Five Quarter Comparison<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Average Balance Sheet Data:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Cash and cash equivalents<\/td>\n\u00a0<\/td>\n$<\/td>\n301,773<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n341,092<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n427,086<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n526,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n257,709<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n508,595<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n496,035<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n407,622<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n323,689<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n238,762<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans held for sale<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n138,093<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n155,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n165,441<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n156,123<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n176,193<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,948,638<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,938,532<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,891,202<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,906,449<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,560,626<\/td>\n\u00a0<\/td>\n<\/tr>\n
Assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,078,748<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,078,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,028,225<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,043,847<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,350,021<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest bearing deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,940,442<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,986,621<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,909,692<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,957,259<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,519,877<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,662,192<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,663,551<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,613,080<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,648,465<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,031,924<\/td>\n\u00a0<\/td>\n<\/tr>\n
Federal Home Loan Bank advances and other borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,467<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33,879<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,428<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,966<\/td>\n\u00a0<\/td>\n<\/tr>\n
Liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,719,898<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,728,064<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,687,516<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,722,341<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,068,408<\/td>\n\u00a0<\/td>\n<\/tr>\n
Shareholders’ equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n358,850<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n350,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n340,709<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n321,506<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n281,614<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Performance Ratios:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Annualized return on average assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.45<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.27<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.98<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.06<\/td>\n%<\/td>\n<\/tr>\n
Annualized return on average equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.50<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.76<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.30<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.26<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.83<\/td>\n%<\/td>\n<\/tr>\n
Net interest margin (1)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.26<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.13<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.12<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.72<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.23<\/td>\n%<\/td>\n<\/tr>\n
Annualized noninterest income to average assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.29<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.32<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.54<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.93<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.85<\/td>\n%<\/td>\n<\/tr>\n
Efficiency ratio<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n57.97<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54.08<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n63.02<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n65.99<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66.44<\/td>\n%<\/td>\n<\/tr>\n
\n Loans by Type (at period end):<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial and industrial<\/td>\n\u00a0<\/td>\n$<\/td>\n546,261<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n619,287<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n630,775<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n648,018<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n621,541<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial real estate – owner occupied<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n200,725<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n197,758<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n162,603<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n164,336<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n147,682<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial real estate – non-owner occupied<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n538,521<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n505,252<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n481,229<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n480,106<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n408,402<\/td>\n\u00a0<\/td>\n<\/tr>\n
Construction and development<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n198,448<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n170,965<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n174,859<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n176,751<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n117,830<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consumer real estate<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n331,580<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n336,496<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n343,791<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n350,238<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n238,696<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consumer<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,898<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,481<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n44,279<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,104<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,542<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n46,387<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n65,839<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n53,483<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,050<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,032<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Asset Quality Data:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses to total loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.19<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.22<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.32<\/td>\n%<\/td>\n<\/tr>\n
Allowance for loan losses to non-performing loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n571<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n446<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n483<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n787<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n705<\/td>\n%<\/td>\n<\/tr>\n
Nonaccrual loans<\/td>\n\u00a0<\/td>\n$<\/td>\n3,985<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n5,355<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,817<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,945<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,982<\/td>\n\u00a0<\/td>\n<\/tr>\n
Troubled debt restructurings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,895<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,914<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,928<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,886<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,228<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans – over 89 days past due<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,389<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,720<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,367<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,781<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,460<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-performing loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,985<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,355<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,817<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,945<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,982<\/td>\n\u00a0<\/td>\n<\/tr>\n
OREO and repossessed assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n184<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n523<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n523<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n171<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n147<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-performing assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,169<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,878<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,340<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,116<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,129<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-performing loans to total loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.21<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.28<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.25<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.15<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.19<\/td>\n%<\/td>\n<\/tr>\n
Non-performing assets to total assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.13<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.19<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.10<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.13<\/td>\n%<\/td>\n<\/tr>\n
Non-performing assets to total loans and OREO<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.22<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.30<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.28<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.16<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.20<\/td>\n%<\/td>\n<\/tr>\n
Annualized net charge-offs (recoveries) to average loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.01<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.00<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.02<\/td>\n%<\/td>\n\u00a0<\/td>\n0.00<\/td>\n%\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n%<\/td>\n<\/tr>\n
Net charge-offs (recoveries)<\/td>\n\u00a0<\/td>\n$<\/td>\n59<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n106<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(13<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n703<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Interest Rates and Yields:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.41<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.34<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.48<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.47<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.50<\/td>\n%<\/td>\n<\/tr>\n
Securities (1)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.77<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.80<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.98<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.18<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.73<\/td>\n%<\/td>\n<\/tr>\n
Total interest-earning assets (1)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.42<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.45<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.41<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.78<\/td>\n%<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.21<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.26<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.30<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.67<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.59<\/td>\n%<\/td>\n<\/tr>\n
Borrowings and repurchase agreements<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.36<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.85<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.09<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.14<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.16<\/td>\n%<\/td>\n<\/tr>\n
Total interest-bearing liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.37<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.42<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.49<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.99<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.81<\/td>\n%<\/td>\n<\/tr>\n
\n Other Information:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Full-time equivalent employees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n383<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n379<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n380<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n403<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n286<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n _____________________<\/u>\n <\/p>\n

This information is preliminary and based on CapStar data available at the time of this earnings release.<\/p>\n

(1)\u00a0\u00a0\u00a0Net Interest Margin, Securities yields, and Total interest-earning asset yields are calculated on a tax-equivalent basis.<\/p>\n

CAPSTAR FINANCIAL HOLDINGS, INC. AND SUBSIDIARY<\/strong>
Analysis of Interest Income and Expense, Rates and Yields (unaudited) (dollars in thousands)<\/strong>
Second quarter 2021 Earnings Release<\/strong><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\n For the Three Months Ended June\u00a030,<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Average<\/strong>
\n
\n Outstanding<\/strong>
\n
\n Balance<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Interest<\/strong>
\n
\n Income\/<\/strong>
\n
\n Expense<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Average<\/strong>
\n
\n Yield\/<\/strong>
\n
\n Rate<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Average<\/strong>
\n
\n Outstanding<\/strong>
\n
\n Balance<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Interest<\/strong>
\n
\n Income\/<\/strong>
\n
\n Expense<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Average<\/strong>
\n
\n Yield\/<\/strong>
\n
\n Rate<\/strong>\n <\/td>\n		\u00a0<\/td>\n<\/tr>\n
\n Interest-Earning Assets<\/u>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans (1)<\/td>\n\u00a0<\/td>\n$<\/td>\n1,948,638<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n21,412<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.41<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n1,560,626<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,459<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.50<\/td>\n%<\/td>\n<\/tr>\n
Loans held for sale<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n138,093<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,160<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.37<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n176,193<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,627<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.71<\/td>\n%<\/td>\n<\/tr>\n
Securities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Taxable investment securities (2)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n446,696<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,800<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.61<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n194,876<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,236<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.54<\/td>\n%<\/td>\n<\/tr>\n
Investment securities exempt from
\u00a0 federal income tax (3)<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n61,899<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n356<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.91<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43,886<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n312<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.60<\/td>\n%<\/td>\n<\/tr>\n
Total securities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n508,595<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,156<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.77<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n238,762<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,548<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.73<\/td>\n%<\/td>\n<\/tr>\n
Cash balances in other banks<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n235,212<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.17<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n237,738<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n107<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n%<\/td>\n<\/tr>\n
Funds sold<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,319<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.06<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.27<\/td>\n%<\/td>\n<\/tr>\n
Total interest-earning assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,848,857<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.51<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,213,320<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,741<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.78<\/td>\n%<\/td>\n<\/tr>\n
Noninterest-earning assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n229,891<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n136,701<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n3,078,748<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,350,021<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Interest-Bearing Liabilities<\/u>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-bearing deposits:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest-bearing transaction accounts<\/td>\n\u00a0<\/td>\n$<\/td>\n927,210<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n379<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.16<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n691,063<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n831<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.48<\/td>\n%<\/td>\n<\/tr>\n
Savings and money market deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n589,006<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n295<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.20<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n492,682<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n731<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.60<\/td>\n%<\/td>\n<\/tr>\n
Time deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n424,226<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n732<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n336,132<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,416<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.69<\/td>\n%<\/td>\n<\/tr>\n
Total interest-bearing deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,940,442<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,406<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.29<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,519,877<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,978<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.79<\/td>\n%<\/td>\n<\/tr>\n
Borrowings and repurchase agreements<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,467<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.36<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,131<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n88<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.16<\/td>\n%<\/td>\n<\/tr>\n
Total interest-bearing liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,969,909<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,800<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.37<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,531,008<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,066<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.81<\/td>\n%<\/td>\n<\/tr>\n
Noninterest-bearing deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n721,751<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n512,046<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total funding sources<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,691,660<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,043,054<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Noninterest-bearing liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,238<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,353<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Shareholders\u2019 equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n358,850<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n281,614<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities and shareholders\u2019 equity<\/td>\n\u00a0<\/td>\n$<\/td>\n3,078,748<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,350,021<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest spread (4)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.14<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.98<\/td>\n%<\/td>\n<\/tr>\n
Net interest income\/margin (5)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n23,032<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.26<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,675<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.23<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n _____________________<\/u>\n <\/p>\n

(1)\u00a0\u00a0\u00a0Average loan balances include nonaccrual loans. Interest income on loans includes amortization of deferred loan fees, net of deferred loan costs.
(2)\u00a0\u00a0\u00a0Taxable investment securities include restricted equity securities.
(3)\u00a0\u00a0\u00a0Yields on tax exempt securities, total securities, and total interest-earning assets are shown on a tax equivalent basis.
(4)\u00a0\u00a0\u00a0Net interest spread is the average yield on total average interest-earning assets minus the average rate on total average interest-bearing liabilities.
(5)\u00a0\u00a0\u00a0Net interest margin is annualized net interest income calculated on a tax equivalent basis divided by total average interest-earning assets for the period. <\/p>\n

This information is preliminary and based on CapStar data available at the time of this earnings release.<\/p>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n CAPSTAR FINANCIAL HOLDINGS, INC. AND SUBSIDIARY<\/strong>
\n
\n Non-GAAP Financial Measures (unaudited) (dollars in thousands except share data)<\/strong>
\n
\n Second quarter 2021 Earnings Release<\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Five Quarter Comparison<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating net income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n$<\/td>\n12,076<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,030<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n7,487<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n6,181<\/td>\n\u00a0<\/td>\n<\/tr>\n
Add: acquisition related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n256<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n67<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,105<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,548<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n448<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less: income tax impact of acquisition related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(67<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(18<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(550<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(666<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(117<\/td>\n)<\/td>\n<\/tr>\n
Operating net income<\/td>\n\u00a0<\/td>\n$<\/td>\n12,265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,079<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,236<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9,369<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n6,512<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating diluted net income per
share of common stock:<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating net income<\/td>\n\u00a0<\/td>\n$<\/td>\n12,265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,079<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,236<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9,369<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n6,512<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted average shares – diluted<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,198,829<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,076,600<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,978,925<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,960,490<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,320,006<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating diluted net income
\u00a0 per share of common stock<\/td>\n		\u00a0<\/td>\n$<\/td>\n0.55<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.50<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.51<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.43<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.36<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating annualized return on average assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating net income<\/td>\n\u00a0<\/td>\n$<\/td>\n12,265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,079<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,236<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9,369<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n6,512<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,078,748<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,078,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,028,225<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,043,847<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,350,021<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating annualized return on
\u00a0 average assets<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n1.60<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.46<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.48<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.22<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.11<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating annualized return on
average tangible equity:<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average total shareholders’ equity<\/td>\n\u00a0<\/td>\n$<\/td>\n358,850<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n350,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n340,709<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n321,506<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n281,614<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less: average intangible assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(49,012<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(49,514<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(50,038<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(50,577<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(43,871<\/td>\n)<\/td>\n<\/tr>\n
Average tangible equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n309,838<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n301,167<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n290,671<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n270,929<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n237,743<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating net income<\/td>\n\u00a0<\/td>\n$<\/td>\n12,265<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,079<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,236<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9,369<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n6,512<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating annualized return on
\u00a0 average tangible equity<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n15.88<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.92<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.38<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.76<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.02<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating efficiency ratio:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest expense<\/td>\n\u00a0<\/td>\n$<\/td>\n19,080<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,413<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n21,478<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,739<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,934<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less: acquisition related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(256<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(67<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,105<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,548<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(448<\/td>\n)<\/td>\n<\/tr>\n
Total operating noninterest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,824<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,346<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,373<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,191<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,486<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,032<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,182<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,331<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,656<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,675<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,883<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,748<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,804<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,823<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total revenues<\/td>\n\u00a0<\/td>\n$<\/td>\n32,915<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n32,196<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n34,079<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n34,460<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n28,498<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0Operating efficiency ratio:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n57.19<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n53.88<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n56.85<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n58.59<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n64.87<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating annualized pre-tax pre-provision income to average assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income before income taxes<\/td>\n\u00a0<\/td>\n$<\/td>\n14,900<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n14,133<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12,417<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9,602<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n7,940<\/td>\n\u00a0<\/td>\n<\/tr>\n
Add: acquisition related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n256<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n67<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,105<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,548<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n448<\/td>\n\u00a0<\/td>\n<\/tr>\n
Add: provision for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,065<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n650<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n184<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,119<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,624<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating pre-tax pre-provision income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,091<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,850<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,706<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,269<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,012<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average assets<\/td>\n\u00a0<\/td>\n$<\/td>\n3,078,748<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,078,745<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,028,225<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,043,847<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,350,021<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating annualized pre-tax pre-provision income to average assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.84<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.96<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.93<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.86<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.71<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible Equity:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total shareholders’ equity<\/td>\n\u00a0<\/td>\n$<\/td>\n359,752<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n343,944<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n343,486<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n333,895<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n281,950<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less: intangible assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(48,697<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(49,190<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(49,698<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(50,222<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(43,633<\/td>\n)<\/td>\n<\/tr>\n
Tangible equity<\/td>\n\u00a0<\/td>\n$<\/td>\n311,055<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n294,754<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n293,788<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n283,673<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n238,317<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible Book Value per Share of Common Stock:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible common equity<\/td>\n\u00a0<\/td>\n$<\/td>\n311,055<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n294,754<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n293,788<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n283,673<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n238,317<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total shares of common stock outstanding<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,165,547<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,089,873<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,988,803<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,947,805<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,302,188<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per share of common stock<\/td>\n\u00a0<\/td>\n$<\/td>\n14.03<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n13.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n13.36<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n12.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n13.02<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n CAPSTAR FINANCIAL HOLDINGS, INC. AND SUBSIDIARY<\/strong>
\n
\n Non-GAAP Financial Measures (unaudited) (dollars in thousands except share data)<\/strong>
\n
\n Second quarter 2021 Earnings Release<\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Six Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating net income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n$<\/td>\n23,106<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n7,527<\/td>\n\u00a0<\/td>\n<\/tr>\n
Add: acquisition related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n323<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n738<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less: income tax impact of acquisition related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(84<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(193<\/td>\n)<\/td>\n<\/tr>\n
\u00a0 Operating net income<\/td>\n\u00a0<\/td>\n$<\/td>\n23,345<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n8,072<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating diluted net income per
share of common stock:<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating net income<\/td>\n\u00a0<\/td>\n$<\/td>\n23,345<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n8,072<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted average shares – diluted<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,138,052<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,381,866<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0 Operating diluted net income
\u00a0 \u00a0 per share of common stock<\/td>\n		\u00a0<\/td>\n$<\/td>\n1.05<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.44<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating annualized return on average assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating net income<\/td>\n\u00a0<\/td>\n$<\/td>\n23,345<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n8,072<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average assets<\/td>\n\u00a0<\/td>\n$<\/td>\n3,078,746<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,204,663<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0 Operating annualized return on
\u00a0 \u00a0 average assets<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n1.53<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.74<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating annualized return on
average tangible equity:<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average total shareholders’ equity<\/td>\n\u00a0<\/td>\n$<\/td>\n354,788<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n280,082<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less: average intangible assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(49,262<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(44,062<\/td>\n)<\/td>\n<\/tr>\n
Average tangible equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n305,526<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n236,020<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating net income<\/td>\n\u00a0<\/td>\n$<\/td>\n23,345<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n8,072<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0 Operating annualized return on
\u00a0 \u00a0 average tangible equity<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n15.41<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.88<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Operating efficiency ratio:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest expense<\/td>\n\u00a0<\/td>\n$<\/td>\n36,492<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n33,145<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less: acquisition related expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(323<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(738<\/td>\n)<\/td>\n<\/tr>\n
Total operating noninterest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,169<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,407<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,213<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34,336<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total noninterest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,897<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,697<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total revenues<\/td>\n\u00a0<\/td>\n$<\/td>\n65,110<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n51,033<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0 Operating efficiency ratio:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n55.55<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n63.50<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n CAPSTAR FINANCIAL HOLDINGS, INC. AND SUBSIDIARY<\/strong>
\n
\n Non-GAAP Financial Measures (unaudited) (dollars in thousands except share data)<\/strong>
\n
\n Second quarter 2021 Earnings Release<\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Five Quarter Comparison<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n23,032<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,182<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n22,331<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n19,656<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n17,675<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less: PPP loan income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,686<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,260<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,184<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,050<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,258<\/td>\n)<\/td>\n<\/tr>\n
Less: Excess liquidity interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(545<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(504<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(300<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Plus: Loss recognized on termination of interest rate swap<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,910<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adjusted net interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,801<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,418<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,847<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,516<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,417<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average interest earning assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,848,857<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,889,119<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,859,096<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,886,031<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,213,320<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less: Average PPP loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(173,733<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(204,459<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(204,918<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(215,806<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(153,857<\/td>\n)<\/td>\n<\/tr>\n
Less: Excess liquidity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(301,325<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(334,109<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(341,654<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(362,659<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(145,502<\/td>\n)<\/td>\n<\/tr>\n
Adjusted interest earning assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,373,799<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,350,551<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,312,524<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,307,566<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,913,961<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin (1)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.26<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.13<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.12<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.72<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.23<\/td>\n%<\/td>\n<\/tr>\n
Adjusted Net interest margin (1)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.36<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.35<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.41<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.40<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.45<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Five Quarter Comparison<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n$<\/td>\n22,754<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n23,877<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n23,245<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n23,167<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n21,035<\/td>\n\u00a0<\/td>\n<\/tr>\n
Purchase accounting marks<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,533<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,615<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,663<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,013<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,790<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses and purchase accounting fair value
marks<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n26,287<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,492<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,908<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,180<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,825<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,907,820<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,941,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,891,019<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,906,603<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,592,725<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less: PPP Loans net of deferred fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n109,940<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n210,810<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n181,601<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n216,799<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n213,064<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-PPP Loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,797,880<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,730,268<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,709,418<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,689,804<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,379,661<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses plus fair value marks \/ Non-PPP
Loans<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n1.46<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.59<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.61<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.73<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n _____________________<\/u>\n <\/p>\n

(1)\u00a0\u00a0\u00a0Net interest margin and adjusted net interest margin are shown on a tax equivalent basis.<\/p>\n

\n CONTACT<\/strong>\n <\/p>\n

\n Denis J. Duncan<\/strong>
\n
\n Chief Financial Officer<\/strong>
\n
\n (615) 732-7492<\/strong>\n <\/p>\n


\n
\n \n <\/div>\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

NASHVILLE, Tenn., July 22, 2021 (GLOBE NEWSWIRE) — CapStar Financial Holdings, Inc. (\u201cCapStar\u201d) (NASDAQ:CSTR) today reported net income of $12.1 million or $0.54 per diluted share, for the quarter ended June 30, 2021, compared with net income of $11.0 million or $0.50 per diluted share, for the quarter ended March 31, 2021, and net income of $6.2 million or $0.34 per diluted share, for the quarter ended June 30, 2020. Annualized return on average assets and return on average equity for the quarter ended June 30, 2021 were 1.57 percent and 13.50 percent, respectively. Second quarter 2021 noninterest expense included $256,000 in acquisition related costs. For the six months ended June 30, 2021, the Company reported net income of $23.1 … <\/p>\n

Continue reading “CapStar Reports Second Quarter 2021 Results”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-516883","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nCapStar Reports Second Quarter 2021 Results - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/capstar-reports-second-quarter-2021-results\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CapStar Reports Second Quarter 2021 Results - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"NASHVILLE, Tenn., July 22, 2021 (GLOBE NEWSWIRE) — CapStar Financial Holdings, Inc. (\u201cCapStar\u201d) (NASDAQ:CSTR) today reported net income of $12.1 million or $0.54 per diluted share, for the quarter ended June 30, 2021, compared with net income of $11.0 million or $0.50 per diluted share, for the quarter ended March 31, 2021, and net income of $6.2 million or $0.34 per diluted share, for the quarter ended June 30, 2020. Annualized return on average assets and return on average equity for the quarter ended June 30, 2021 were 1.57 percent and 13.50 percent, respectively. Second quarter 2021 noninterest expense included $256,000 in acquisition related costs. 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(\u201cCapStar\u201d) (NASDAQ:CSTR) today reported net income of $12.1 million or $0.54 per diluted share, for the quarter ended June 30, 2021, compared with net income of $11.0 million or $0.50 per diluted share, for the quarter ended March 31, 2021, and net income of $6.2 million or $0.34 per diluted share, for the quarter ended June 30, 2020. Annualized return on average assets and return on average equity for the quarter ended June 30, 2021 were 1.57 percent and 13.50 percent, respectively. Second quarter 2021 noninterest expense included $256,000 in acquisition related costs. 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