CCA Overview March 2012

8/2/2019 CCA Overview March 2012

1/29


2/29

We are a bank consulting firm headquartered in Duluth, Georgia

and provide a comprehensive set of strategic and financialadvisory services exclusively to regional and community banks:

De Novo/Secondary Capital Offerings

Mergers & Acquisitions

Valuation Services

Capital Planning

Strategic Planning

Securities offered through Patrick Capital

Markets, LLC. Member FINRA/SIPC


3/29

Investment Banking




4/29

Investment Banking

Our investment banking services include:

Capital Raising

Bank Analysis

Capital Markets Equity & Debt

Public & Private

Institutional investors

Retail investors

Recapitalizations De Novo

Capital Planning

Strategic Planning Loan Review

Valuations




5/29

Investment Banking

Our investment banking services include:

Mergers &

Acquisitions

Buy-side/Sell-side Advisory

Branch Sales and Divestitures

Distressed asset sales

Recapitalizations

Management Buy-Ins/Buy-Outs



Non-Core Asset Sales

Valuations & Fairness Opinions

Strategic Assessments

Strategic Partnerships/Joint Ventures Succession Planning

Strategic

Advisory


6/29

Bank Development




7/29

Bank Development

CCAs Executive Team has been successfully raising capital for Community

Banks for more than 24 years.

Completed over 140 assignments and raised more than $1.4 Billion

Capital raises for Secondary Offerings, Recapitalizations and De Novos

Exclusively to the Community Bank sector nationwide

Unique and customized offering structures that work well for Community

Banks




8/29

CCAs Transaction Footprint




9/29

What Makes Us Different

For over 24 years the executive management team of Community

Capital Advisors has been raising capital successfully for

Community Banks because:

Our staff is totally dedicated to your capital raise.

We remain on-site during the entire process.

We are with you every day of your capital raise encouraging,guiding, and exhibiting our total commitment to getting you

across the finish line.

We run the capital raise, so you can run your bank.

We are less expensive than Wall Street.

We understand what you need, and we deliver unmatched results.




10/29

Why You Need Us

Today, every dollar of capital is

precious and hard to come by. Youcannot afford the risk of not

maximizing the return from every

contact.

Missing opportunities entirely

because you simply dont know whatto say to address the investors real

concerns.

You dont have to know when or

how to work your way through a list

of contacts to get frequentlymeaningful second and third level

contacts.

We know how to obtain every

available investment dollar fromplaces you may not have even

considered.

This is our business - we know

the answers before the questionsare even asked.

We know how to leverage every

contact to make sure your story gets

the broadest audience possible.




11/29

We take a different approach to capital raising.

An on-site consultant is with you at your bank for the entire

Capital Raise.

We are not reliant on institutional investors, but we do have

deep institutional relationships that may be beneficial.

A subscription offering which allows us to work with the bank on

an offering price versus being told what it will be at the end of an

offering.

Our offerings are geared to MainStreet investors who tend tobe less volatile in a changing market.

Our Process




12/29

Our Process

An initial database is created with names from the board, management, bankcustomers & shareholders. CCA also provides a list of high net worth individuals,

family offices, and institutional investors. These lists are constantly expanding with

active referrals.

We work with the Board and Management to create a Database of Potential Investors.

Our goal is to get the contact to an informational meeting. We will work

with the Bank to coordinate numerous investor events. These will include

lunches, cocktail hours and general investor gatherings. We work with

management to create an investor presentation used at these events.

Community Capital Advisors will follow up with all attendees of

these meetings. Our goal is to educate the investor on the

different methods to purchase the stock.




13/29

Our Process

We handle the time consuming tasks that a Capital Raise requires,

which allows you to focus on managing your bank.

Our proven methods leverage your contacts to create new contacts

that may be potential investors.

We know it is a numbers game to get in front of as many potential

investors as possible in order to find the capital that you need.

We use a real-time web portal that tracks investors Commitments,

Subscriptions, and Purchases.

Capital Raising is difficult in todays environment.




14/29

Bank Development Team




15/29

Bank Development

Lee Bradley, Senior Managing Director

As Senior Managing Director of Community Capital Advisors, Inc. Mr. Bradley leads the

firms bank development group. Mr. Bradley is responsible for new business development,

meeting with directors and existing bank management teams, and bringing them on-board

with their specific on-site team. He has been dedicated to raising capital for community

banks since 1987 and has raised more than $1.4 billion for over 140 De Novo and existing

banks throughout the United States.

Previously, Mr. Bradley served as a Managing Director for Compass Point Research and

Trading LLC, Founder and Managing Director of SAMCO Capital Markets bank development

division, and Managing Director of Commerce Street Capital. In 1991 he founded and

served as President of Southeast Financial Holdings. Mr. Bradley graduated from Emory

University in 1979 with a Bachelor of Arts Degree. He holds FINRA series 7, 63 and 79

securities licenses.

Raising capital for community banks is what I do best. And now, more than ever, banks

need specialized experience. Capital dollars are hard to come by .

We know how to find every available investment dollar from places you may

not have even considered.

Registered with Patrick Capital Markets, LLC.




16/29

Bank Development

Shaun Dalton, Managing Director

As a Managing Director of Community Capital Advisors, Inc. Mr. Dalton is responsible for all

phases of business development: from signing bank clients to managing professionals at the

bank. Mr. Dalton monitors each bank's progress, consulting with the on-site teams and

managing day-to-day field operations. He often speaks at investment seminars and

oversees the maintenance of databases. Mr. Dalton has a solid reputation in the community

banking industry and attributes his success to a distinct business model that supports the

banks through the entire process of raising both initial capital and secondary capital.

In 1999 Mr. Dalton founded and served as President of DeNovo Capital Group. Over the

past twelve years Mr. Dalton has assisted in raising more than $500 million in capital for

community banks throughout the United States. He holds FINRA series 62, 63 and 79


Raising capital today is tough. Traditional investors have simply dried up. We provide

the depth of hands-on expertise a community bank needs to succeed or even survive.

Weve led, managed, and have been personally involved in more than 140 face-to-face,on-site community bank capital raises, right in their own backyard.





17/29

Bank Development

Robert E. Chip Coffee, Managing Director

As a Managing Director of Community Capital Advisors, Inc. Mr. Coffee is responsible for

business development focusing on the M&A and strategic planning sectors. Prior to joining

the firm, he served as a Director and President / CEO of Tidelands Bank in Mt. Pleasant, SC.

In 1986 he was a founder of 1st Atlantic Bank in Little River, South Carolina. Mr. Coffee

served as President / CEO, and was a Director until 1st Atlantic merged with Anchor Bank in

1993 where he became Executive Vice President, Chief Administrative Officer and was a

Director.

Mr. Coffee has been involved in banking for over 41 years and has served on numerous

boards and professional organizations including The South Carolina Bankers Association,

Chairman of the South Carolina Bankers School, and The South Carolina State Board of

Financial Institutions. He obtained his B.S. in Business Administration from The Citadel in

1970 and began his banking career with South Carolina National Bank. Mr. Coffee furthered

his banking education and graduated from The Stonier Graduate School of Banking at

Rutgers University in 1978, and The National Commercial Lending Graduate School at the

University of Oklahoma in 1982.

Never before has capital for community banks been more critical, and finding it never

more difficult. We use a special approach that is both efficient and economically viable.




18/29

Bank Development

John R. Boulware, Managing Director

As a Managing Director of Community Capital Advisors, Inc. Mr. Boulware is responsible for

providing M&A, advisory and valuation services to the financial institutions industry, with a

primary focus on community and commercial banks and strategic planning sectors. Prior to

joining the firm, he served as a First Vice President in Morgan Keegan's Financial Institutions

Group and was responsible for executing mergers and acquisitions, public and private

capital raising activities and other investment banking services. Mr. Boulware held Associate

positions at McColl Partners, LLC in its Financial Institutions Group and with Trident

Securities, as well as interning with Wachovia Securities M&A Group. In 1996 he was afounding employee of Townsend Frew & Co., a boutique investment bank. Mr. Boulware

received a B.S. in Business Administration from the University of North Carolina at Chapel

Hill in 1995 and an M.B.A. with Academic Distinction from the Babcock Graduate School of

Management at Wake Forest University in 2002. He holds FINRA series 7, 63 and 79


Communitybanks are under immense pressure to perform despite numerous headwinds:

slowing growth, mounting regulations and increasing operating costs. To best serve all itsstakeholders, a community bank must objectively consider all its strategic options. We

have the capabilities and experience to help them explore all available alternatives

including capital formation and M&A.





19/29

Bank Development

Jon Brunot, Vice President

Mr. Brunot brings 5 years experience in investment banking and financial markets to the community

banking industry. Prior to joining Community Capital Advisors Mr. Brunot was the Senior Director of

Acquisition and Development for a Private Equity firm in Vancouver, BC which focused on international

mergers and acquisitions. With operations in Asia, Western Europe and North America, Mr. Brunots

responsibilities focused on conducting M&As, corporate restructurings, initial public offerings, and capital

raises.

Previous to this role, Mr. Brunot spent 5 years in the telecom industry directing product and business

development teams. He holds a Bachelors degree in International Finance from the University of Miami,

as well as a Bachelor in Business Management and Marketing, and a license in Accounting. Mr. Brunot

holds FINRA series 62 and 63 securities licenses.



Mr. Gallert is responsible for assisting and advising community banks with initial and secondary capital-

raising efforts. He has helped community banks raise more than $225 million in new capital, and works

closely on-site with each banks directors and management team.

Previously Mr. Gallert was a Vice President at SAMCO Capital Markets, Inc. and has been a professional in

the financial service industry since 1992. He has an extensive professional background in investmentmanagement and marketing, and served as an investment adviser for The Financial Group, Inc. and Scott &

Stringfellow, Inc., both located in Greensboro, N.C. Mr. Gallert also helped establish Stratapult Studios, a

marketing, advertising and website development company located in Winston-Salem N.C. He holds FINRA

series 7, 63 and 79 securities licenses.


Robert Gallert, Senior Vice President


20/29

Bank Development



Mr. Jones has over 25 years experience in banking and finance. His first successful capital raise for a bank

was in 1989 in upstate New York and he has since raised capital for nationally chartered banks, smallbusiness investment corporations, venture capital funds, equipment loan companies and community

banks.

Mr. Jones has served on the Board of Directors for banks and venture capital companies in New York,

Pennsylvania and Florida. Originally from Northern Pennsylvania, he attended the United States Military

Academy at West Point and graduated with honors from the University of Pittsburgh. Mr. Jones holds

FINRA series 7, 63 and 79 securities licenses.

Bill Jones, Vice President

Christopher Meadows, Vice President

Mr. Meadows is responsible for advising and assisting community banks with capital-raising efforts, and

working on-site with a banks management and directors. Prior to joining Community Capital Advisors

Mr. Meadows served as a Senior Vice President with Compass Point Research & Trading, LLC. Previously

he worked as a Sales Manager with MassMutual Financial Group and as a Financial Advisor with Merrill

Lynch.

Mr. Meadows brings 20 years experience in business management, and sales management andoperations, with a heavy focus in the financial services industry. He obtained his Bachelor of Arts in

Economics from Hampden-Sydney College in Virginia, and studied history and economics at The

University of London in England. Mr. Meadows holds FINRA series 7, 24, 66 and 79 securities licenses.



21/29

Bank Development



Mr. Niziol has 13 years of experience in the financial markets. He began his career as a trader in 1998,

and during that time developed and managed a highly successful, most visited small cap message boardthat attracted savvy investors and traders to the OTCBB and Pink Sheet equity markets. After excelling as

a retail trader, Mr. Niziol was hired as a licensed proprietary equity trader at a major financial institution.

He was promoted at E*TRADE Financial as an Elite Client representative, placing complex stock and

options trades for active traders and high net worth individuals. Mr. Niziol is also currently Founder and

Chairman of NiZ Investments LLC, a privately-owned investment management firm located in Norcross,

Georgia and is a graduate of Georgia State University's Robinson College of Business. He holds FINRA

Series 7, 55, 63 and 79 securities licenses.


Jason Niziol, Vice President

Mr. Platz has over 10 years of sales experience in commercial and investment banking, real estate, and

financial markets. Prior to joining Community Capital Advisors, he was a Senior Vice President with

Compass Point Research and Trading, LLC raising capital for community banks across the Southeast. He

has also served as a Financial Advisor with Morgan Stanley and a Commercial Lender/Banker with Lehman

Brothers, First Horizon Bank and SunTrust Bank. Mr. Platz holds FINRA series 7, 66 and 79 securities

licenses.

Mr. Platz has a Bachelor of Arts in Business Administration from Georgia State University and is an honors

graduate from the Tennessee Bankers Association Southeastern School of Commercial Lending.


Travas Platz, Vice President


22/29

Client List




23/29

Client ListCAPITAL

Institution City ST ($ in Millions)1st Bank of Maury County Columbia TN 2.21st Commonwealth Bank of Virginia

Arlington VA 12.2

Aiken County National Bank Aiken SC 4.1American Southern Bank Roswell GA 15American Trust Bank Roswell GA 9.5Atlantic Community Bank Bluffton SC 12.2Aquesta Bank Cornelius NC 24.2The Bank of Camden Camden SC 6.2The Bank of Charleston Charleston SC 8The Bank of Oak Ridge Oak Ridge NC 9Bank 4 Texas Tomball TX 13Bank of Walterboro Walterboro SC 3.3Bank Texas Quitman TX 13Biscayne Bank Miami FL 1.5Brookhaven Bank Atlanta GA 22Capitol City Bank & Trust Atlanta GA 5.5Cardinal State Bank Durham NC 14Carolina National Bank Columbia SC 11Cherokee Bank Canton GA 4Citizens National Bank Windsor VA 5.6Citizens National Bank & Trust New Port Richey FL 4Coastal Bank & Trust Jacksonville NC 11Coastal Carolina National Bank Myrtle Beach SC 21.8Collin Bank Frisco TX 27.3Colonial American Bank Horsham PA 7




24/29

Client List

Colonial Bank of South Carolina Camden SC 4.9Community Business Bank Cumming GA 15Community South Bank & Trust Easley SC 30ComSouth Bancshares Columbia SC 8Congaree State Bank West Columbia SC 13Creekside Bank Woodstock GA 18Darien Rowayton Bank & Trust Darien CT 12.2DeSoto County Bank Horn Lake MS 11EB Financial Group Skokie IL 15Eclipse Bank Louisville KY 15Effingham Bank & Trust Rincon GA 3Evolve Financial Memphis TN 1.5The First Bank Beaufort SC 5First Bank of Georgia Eastpoint GA 5.5First Bank of Henry County McDonough GA 4.2First Carolina Bank Sanford NC 3First Century National Bank Gainesville GA 2First Citizens Bank of Georgia Dawsonville GA 15.7First Columbus Community Bank & Trust Columbus GA 5First Commercial Bank of Tampa Tampa FL 4First Community Bank & Trust Iverness FL 2First Community Bank & Trust Cartersville GA 7.2First Coweta Bank Newnan GA 12First National Bank of Cherokee Woodstock GA 5.1First National Bank of Effingham Springfield GA 3.1



CAPITALInstitution City ST ($ in Millions)


25/29

Client List

First National Bank of Henry County Stockbridge GA 5.3First National Bank of West Metro Dallas GA 14First Priority Bank Bradenton FL 15.1First Reliance Bank Florence SC 27.3First Southern Bank Lithonia GA 5First State Bank of Rice Rice TX 5Flagship Community Bank Oldsmar FL 14.9Flint Community Bank Albany GA 12Flint River National Bank Camilla GA 6.6Foothills Bank & Trust Maryville TN 18.9Franklin Community Bank, N.A. Rocky Mount VA 7.5Franklin National Bancshares Franklin TN 6.1Frontier Bank Elgin TX 26.4Futurus Bank Alpharetta GA 7.5Georgia Trust Bank Buford GA 18Granville United Bank Oxford NC 4Great State Bank Wilkesboro NC 10.5Greater Rome Bank Rome GA 7.2Gwinnett Banking Company Lawrenceville GA 13.6Gwinnett Community Bank Duluth GA 5.2

Harbor National Bank Charleston SC 29.7Hartsville Community Bank Hartsville SC 5.5Highlands Bank Jacksboro TX 44Horry County State Bank Loris SC 8Independent Bank of Ocala Ocala FL 2.4





26/29

Client List



Inland Community Bank Los Angeles CA 3

Integrity Bank Alpharetta GA 12Islands Community Bank Beaufort SC 6.5

Legacy State Bank Loganville GA 15

Liberty Bell Bank West Cherry Hill NJ 13

Liberty National Bank Bradenton FL 5

Longleaf Community Bank Rockingham MI 7.5

Lotus Bank Detroit MI 12.6

Low Country Savings Bank Mt. Pleasant SC 5

MainStreet Bank Herndon VA 8

MainStreet Bancshares, Inc. Martinsville VA 4.5

Midlands National Bank Prosperity SC 5

Mountain Valley Community Bank Cleveland GA 8.8

Mutual Savings Bank Elkin NC 4.1

My Bay Bank Mobile AL 2.5

National Bank of Gainesville Gainesville GA 7.7

Neighbors Bank Alpharetta GA 11.5

New Dominion Bank Charlotte NC 40

NOA Bank Duluth GA 1.5

Nuestro Banco Garner NC 14.6

Old Dominion State Bank North Garden VA 7.8Paces Bank & Trust Atlanta GA 5

Parkway Bank Lenoir NC 7.6

Piedmont Community Bank Gray GA 8.1

Poinsette Bank Greenville SC 10

Premier Commercial Bank Greensboro NC 19



27/29

Client List

Prosper Bancshares Prosper TX 5.2Quinnipiac Bank & Trust Hamden CT 11.1Resurgens Bank Atlanta GA 12.8San Antonio National Bank San Antonio, TX GA 24Satilla Community Bank Saint Marys GA 5.2Seasons Bank Blairsville GA 9.1Smith River Community Bank Martinsville VA 7.2Sound Bank, N.A. Morehead City NC 7SouthBank, N.A. Woodstock GA 7Southern Heritage Bank Flowery Branch GA 9.8State Bank & Trust Pinehurst GA 7.6Summit Bank Akron OH 5.2Sumner Bank & Trust Gallatin TN 10Texas Leadership Bank Royse City TX 15Texas Security Bank Dallas TX 23.8Tidelands National Bank Mount Pleasant SC 10.2Touchmark National Bank Norcross GA 34Tristone Community Bank Winston-Salem NC 16.4Tysons National Bank Tysons Corner

VA

7.2

Union State Bank Pell City AL 4.2United Bank & Trust Rockmart GA 5.5Vance National Bank Henderson TN 7.5Vantage South Burlington NC 11Verity Bank Winder GA 20Victory Bank Limerick PA 9.6





28/29

Client List

Virginia Business Bank Richmond VA 15Vista Bank Aiken SC 17Waterford Village Bank Buffalo NY 15Westbound Bank Katy TX 24.8Your Bank Hammond LA 3.6





29/29

1815 Satellite Blvd., Suite 502

Duluth, GA 30097

(678) 417-6600

www.communitybankcapital.com

[email protected] (704) 877-8671

[email protected] (843) 224-6845

C i C i l Ad i 2012



Documents

CCA Overview March 2012