Capital Bank Closes 2016 with Enviable Profitability Generated by Strong, Quality Loan Growth

SAN JUAN CAPISTRANO, Calif., Feb. 14, 2017

J.M. "Mike" Justice Jr., President & Chief Executive Officer remarked, "I am very pleased with the bank's continued success.  The yearend results reflect the extraordinary dedication and professionalism of the entire Capital Bank team.   We continue to grow our base of loyal customers in San Diego and Orange counties, as well as the surrounding areas, by providing exceptional customer service through customized technology solutions.  At the same time, we continue to hold true to our conservative underwriting standards as evidenced by our exceptional asset quality.  We look forward to continuing to partner with our customers to help them successfully achieve their goals, while at the same time providing a commendable return to our shareholders."

Capital Bank is dedicated to being known as the Premier Business and Professional Bank in the markets we serve by providing innovative financial solutions tailored to the needs of our customers while exceeding expectations and producing superior shareholder value that become solutions recognized for… "Banking Outside the Box".

For Additional Information visit our website at: www.mycapitalbank.com

Stock Symbol: OTCQB:CBJC

If you are interested in an investment in Capital Bank, please consult your stock broker.

Information contained herein may contain certain forward-looking statements that are based on management's current expectations regarding economic, legislative, and regulatory issues that may impact the Bank's earnings in future periods. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words "believe," "expect," "intend," "estimate" or words of similar meaning, or future or conditional verbs such as "will," "would," "should," "could" or "may." Factors that could cause future results to vary materially from current management expectations include, but are not limited to, general economic conditions, changes in interest rates, deposit flows, real estate values, and competition; changes in accounting principles, policies or guidelines; changes in legislation or regulation; and other economic, competitive, governmental, regulatory and technological factors affecting the Bank's operations, pricing, products and services. The Bank undertakes no obligation to release publicly the result of any revisions to these forward-looking statements that may be made to reflect events or circumstances after the date of this press release or to reflect the occurrence of unanticipated events.