First Capital Bancorp (FCVA) 8-K Act of 1933, as amended, and Section 21E of the Securities Exchange

RAYMOND JAMES

INVESTOR PRESENTATION

December 4, 2013

Exhibit 99.1

FORWARD-LOOKING STATEMENTS

Certain information contained in this discussion may include “forward-

looking statements”

within the meaning of Section 27A of the Securities

Act of 1933, as amended, and Section 21E of the Securities Exchange

Act of 1934, as amended.  These forward-looking statements are

generally identified by phrases such as “we expect”, “we believe”

or

words of similar import.  Although we believe that our expectations with

respect to the forward-looking statements are based upon reliable

assumptions within the bounds of our knowledge of our business and

operations, there can be no assurance that our actual results,

performance or achievements will not differ materially from any future

results, performance or achievements expressed or implied by such

forward-looking statements.

2

FIRST CAPITAL BANK

LET’S MAKE IT WORK

For local Small Businesses, First Capital Bank is the community-

driven bank, which provides a customized, people first approach

for the ultimate in customer service, empowering Small Business

Owners to focus on their dream.

We make this happen by always remembering that whether you

are a customer, shareholder, or employee, we are dedicated to

the guiding principle that people matter.

Working together, we know great things are possible.

3

COMPANY PROFILE

•

First Capital Bancorp, Inc., is a one bank holding company

headquartered in Richmond, Virginia.

•

First Capital Bank, operates seven full service banking offices in the

greater Richmond, Virginia market.

•

The Bank engages in a general commercial banking business, with a

particular focus on the needs of small and medium-sized businesses

and professionals.

•

Key financial metrics at September 30, 2013 include:

–

Total Assets -

$536.7 million

–

Total Net Loans -

$408.6 million

–

Total Deposits -

$446.9 million

–

Total Equity -

$48.9 million

–

Total Risk-Based Capital Ratio –

13.91%

–

Tangible Common Equity -

$43.4 million

4

KEY STRATEGIES

•

Hire and empower experienced, local bankers

•

Emphasize relationship banking targeted to the needs of small and

medium-sized businesses, their owners and key employees, and the

professional community

•

Resume the growth of our delivery system

•

Add products/services that reduce reliance on net-interest income,

including the expansion of our new mortgage operations

•

Diversify our loan portfolio, reducing our exposure to more

speculative real estate loans

•

Increase our legal lending limit and ability to serve our larger

customers

•

Maintain sales-oriented culture that is highly conducive to

maximizing production

5

STRENGTHENED MANAGEMENT TEAM

Name

Position

Years

Experience

Year

Joined

Grant Grayson

Chairman of the Board

15

1998

Kenneth R. Lehman

Director

25

2012

John M. Presley

Managing Director and CEO

21

2008

Robert G. Watts, Jr.

President

28

2000

Gary Armstrong

EVP and Chief Lending Officer

26

2009

Andy Ferguson

EVP and Chief Credit Officer

26

2010

William W. Ranson

EVP and Chief Financial Officer

26

2004

Jim Sedlar

EVP and Chief Operating Officer

26

2008

Bill Bien

EVP –

Lending

31

2003

6

OUR MARKET –

RICHMOND MSA

•

State Capitol and third-largest metro area in Virginia

•

Growing

population

in

excess

of

1.3

million;

banking

deposits

of

$30.3

billion

•

One of the “Best Cities for Business”

among 102 metro areas, rated by the Wall

Street Journal’s MarketWatch.com, December 13, 2011

•

Virginia

was

ranked

#1

state

in

the

U.S.

for

business

in

2011

by

CNBC

•

Consistently one of the lowest unemployment rates among the nation’s largest

metropolitan areas (August 2013: 6.0% in Richmond MSA vs. 7.3% National

Average)

•

Highly diversified economy with leading employment by sector being services,

government, trade, financial and manufacturing

•

Largest private employers include Capital One, VCU Health System, HCA,

Dominion Resources, Altria, SunTrust, WellPoint and DuPont

•

Educated workforce –

15 four-year & 11 two-year colleges and universities

•

Ten Fortune 1000 Companies are headquartered here

7

OUR FACILITIES

8

BRANCH NETWORK

Branch Name and Address

City

Year

Opened/

Purchased

Owned/

Leased

ATM

Deposits

09/30/13

($000)

Westmark –

11001 West Broad Street

Glen Allen

1998

Owned

Drive Through

$138,728

Staples Mill –

1776 Staples Mill Road

Richmond

2003

Leased

Drive Through

69,578

Three Chopt –

7100 Three Chopt Road

Richmond

2006

Owned

On Site

41,933

Ashland –

409 Washington Highway

Ashland

2000

Owned

Drive Through

55,599

James Center –

901 E. Cary Street

Richmond

2007

Leased

On Site

52,322

Chesterfield Towne Center –

1580 Koger Center Blvd.

Richmond

2003

Leased

Drive Through

54,924

Bon Air –

2810 Buford Road

Richmond

2008

Leased

Drive Through

33,787

Headquarters –

4222 Cox Road

Glen Allen

2010

Owned

None

0

Total:

$446,871

9

BALANCE SHEET DATA

The growth opportunity with our market remains exceptional

10

LOAN COMPOSITION

•

We have reduced our construction loan exposure by more than 50%

•

The vast majority of our commercial real estate loans are to owner-occupied

businesses

11

DEPOSIT COMPOSITION

70% or our deposits were core

deposits at September 30, 2013.

12

FUNDING SOURCES

We have committed and stable funding sources

13

INCOME STATEMENT DATA

•

Our bottom line over the past four years has been adversely impacted by

credit losses

•

These credit losses have overshadowed our core growth

14

UNDERLYING EARNINGS POWER

•

Our recent credit losses have masked our growth in core earning power

•

We are committed to increasing our non-interest income

*PPNR = Net Income before Taxes, Loan Loss Provision, Asset Resolution Plan and FHLB Debt Restructure. ($000)

15

UNDERLYING EARNINGS POWER

Removing credit related losses and other nonrecurring items highlights the

Company’s underlying earning power

16

UNDERLYING EARNINGS POWER

17

ASSET QUALITY

•

Our nonperforming assets (NPA’s) peaked in the second quarter of 2011

•

We had no severely delinquent loans (90+ days past due) at September 30,

2013

•

Loans

30

to

89

days

past

due

at

the

end

of

the

3

rd

quarter

of

2013

were

$665

thousand,

down

from

$7.6

million

at

the

end

of

the

2

nd

quarter

of

2011

18

ASSET QUALITY

19

ASSET QUALITY

•

Total adversely classified loans decreased by approximately $4.9

million

to

$13.9

million

at

the

end

of

the

third

quarter

of

2013

from

$18.8 million at the end of the second quarter of 2012.

•

Total non-accrual loans decreased by $5.9 million to $3.9 million at

the end of the third quarter of 2013 from $9.8 million at the end of

the second quarter of 2012.

•

OREO decreased approximately $2.2 million to $2.2 million at the

end

of

the

third

quarter

of

2013

from

$4.8

million

at

the

end

of

the

second quarter of 2012.

•

Loans past due 30 to 89 days dropped to its lowest level in two

years

from

$7.6

million

as

the

end

of

the

second

quarter

of

2011

to

$665 thousand at the end of the third quarter of 2013.

20

ASSET QUALITY SUMMARY

6/30/2012

9/30/2012

12/31/2012

3/31/2013

6/30/2013

9/30/2013

Total Adversely Classified items/Tier 1

+ ALLL

45.2%

49.19%

44.40%

37.29%

27.92%

27.67%

Weighted Classifications/Tier 1 + ALLL

11.31%

12.30%

11.10%

9.32%

6.98%

6.92%

30-89 past due loans/Total Loans

0.32%

0.47%

0.55%

0.55%

0.27%

0.16%

Nonaccruals plus 90+ days PD

accruing/Total Loans

2.65%

2.54%

2.49%

1.65%

1.24%

0.94%

ALLL/Total Loans and Leases

1.97%

1.97%

1.93%

1.93%

2.08%

2.06%

ALLL/Nonaccruing Loans

74.2%

77.7%

77.7%

117.3%

168.0%

218.4%

Charge-offs/Total Loans (annualized)

6.0%

4.2%

3.1%

0.8%

0.9%

0.6%

CRE Level I/Risk-based Capital

92%

83.07%

108.02%

108.99%

121.29%

118.21%

21

NON-PERFORMING ASSETS

September 30,

December 31,

September 30,

June 30,

2013

2012

(Dollars in thousands)

Nonaccrual loans

$          3,933

$          8,014

$          9,279

$          9,778

Loans past due 90 days and accruing interest

-

1,338

-

-

Total nonperforming loans

3,933

9,352

9,279

9,778

Other real estate owned

2,602

3,771

4,502

4,787

Total nonperforming assets

$          6,535

$         13,123

$        13,781

$        14,565

Allowance for loan losses to period end loans

2.06%

1.93%

1.97%

1.97%

Nonperforming assets to total assets

1.22%

2.42%

2.60%

2.80%

Allowance for loan losses to nonaccrual loans

218.44%

90.70%

77.68%

74.18%

Three Months Ended

September 30,

December 31,

September 30,

June 30,

2013

2012

Allowance for loan losses

Beginning balance

$          8,582

$          7,208

$          7,253

$          8,002

(Recovery of) provision for loan losses

(86)

165

156

8,310

Net (recoveries) charge-offs

(95)

104

201

9,059

Ending balance

$          8,591

$          7,269

$          7,208

$          7,253

22

CAPITALIZATION

($ in thousands, except per share amounts)

6/30/2012

09/30/2013

Subordinated debt

$        1,200

$           800

Trust preferred securities

$        5,155

$        5,155

Preferred equity

$        5,413

$        5,498

Common equity

$      40,197

$      43,385

Total regulatory capital

$      45,610

$      48,883

Net unrealized gains

$        1,402

$            104

Allowance included in Tier 2

$        4,918

$         5,363

Risk-weighted assets

$    391,100

$    425,829

Disallowed Deferred Tax Asset

$        2,000

$            869

Tier 1 common equity

$      40,197

$      43,385

Tier 1 capital

$      47,363

$      53,063

Total capital

$      53,481

$      59,226

Total capital ratio

13.67%

13.91%

Common shares outstanding

11,885

12,183

Book value per share

$          3.38

$          3.56

23

WHY INVEST IN FCVA

•

We have built a strong management team and platform for growth

•

The attractiveness of the Richmond market, including the

opportunity to gain market share from out-of-state banks and

weakened local community banks

•

The improving economy and our encouraging asset quality trends

•

Our growth in earnings power, which has been hidden by past credit

losses

•

The opportunity for us to be a regional consolidator in Virginia

•

The potential for a take-out premium down the road as we are one

of the largest community banks remaining that exclusively serves

the Richmond MSA

24

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