Rank the Banks Report Alabama. Fourth Quarter 2014

Transcription

1 Report Fourth Quarter 2014

2 Table of Contents: 1) Bank Listing (Page 5-8) Report - Company Name - City - Parent Company - Date Established - Number of Offices - Total Employees - S corp? - - ROAA - ROAE 2) Ranking by - Top 50 (Page 9) City - Total Employees- Number of Offices - Total Deposits - Deposits/Office - Assets/Office - Deposits/Employee - Assets/Employee - Total Assets 3) Ranking by Net Interest Margin - Top 50 (Page 10) City - - Yield on Loans - Loan Growth Rate - Cost of Funds - Deposit Growth Rate - Loans/Deposits - Yield on Investment Securities (FTE) - Net Interest Margin 4) Ranking by Noninterest Income - Top 50 (Page 11) City - - Net Income - Service Charge on Deposits/Avg Assets - Gain on Sale of Loans/Avg. Assets - Net Servicing Fees/Avg Assets - Net Gains on OREO/Avg. Assets - Total Noninterest Income - Noninterest Income/Avg Assets 5) Ranking by Total Overhead - Top 50 (Page 12) City - - Efficiency Ratio (FTE) - Total Employees - Number of Offices - Personnel Expense/Avg. Assets - Occupancy Expense/Avg. Assets - Other Expense/Avg. Assets - Total Overhead/Avg Assets 6) Ranking by Asset Quality - Top 50 (Page 13) City - - Gross Loans - LLR/Gross Loans - Adj Loans 30-89PD/Gross Loans - Adj 90+ PD/Gross Loans - Adj NPLs + Adj OREO/Gross Loans - NCO/Avg Loans - Asset Quality Composite 7) Ranking by ROAE - Top 50 (Page 14) City - - LTM Net Income - Total Employees - LTM Net Income/Employee Q4 LTM Net Income Q4 LTM Net Income - ROAA - ROAE 8) Overall Ranking - Top 50 (Page 15) City - - Net Interest Margin - Noninterest Income - Total Overhead - Asset Quality - ROAE - Overall Ranking Belief Strength Purpose

3 Belief Strength Purpose Report - Excluded Banks: Excluded banks are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or companies for which necessary data is not available as of this report. None Calculation Notes: All data in this report is bank-level and is as of or for the twelve months ending December 31, For banks that elect subchapter S status, return on average assets and return on average equity are adjusted to reflect the impact of a 34% corporate tax rates on net income Asset quality index is the sum of: (Adjusted Loans PD/Loans) + (Adjusted Loans 90 PD/Loans )+ (Adjusted NPLs/Loans) + (Adjusted OREO/Loans) + (Net Chargeoffs/Avg Loans. Adjustments are made to exclude loans for which repayment of principal is wholly or partially guaranteed by the US government Overall ranking is based on an unweighted average of Net Interest Margin rank, Noninterest Income rank, Total Overhead rank, Asset Quality rank and ROAE rank Belief Strength Purpose

4 Belief Strength Purpose Report - Banks Street Partners Team BSP Services BSP Downloads Lee Burrows [email protected] Gary McNorrill [email protected] Mark Saunders [email protected] Jeff Adams [email protected] Will Brackett [email protected] Joe Maloney [email protected] Matt Kennedy [email protected] William Izlar [email protected] Julian LeCraw [email protected] Mergers and Acquisitions Capital Raising Initiatives Branch Sales and Purchases Failed Bank Acquisitions 363 Bankruptcy Transactions Strategic Planning Valuations and Fairness Opinions Board and Management Consulting Financial Modeling Disposition of Distressed Assets TARP/Preferred Stock and SBLF Repayment Plans Share Repurchase Plans and Modified Dutch Auctions Southeastern Publicly Traded Data Southeastern M&A Bank Data Quarterly Texas Ratio Analysis Visit p-downloads/ to access and download all available material 1380 West Paces Ferry Rd. NW Suite 2060 Atlanta, GA (404) // 200 Providence Road, Suite 210 Charlotte, NC (704) Belief Strength Purpose

5 Bank Listing Company Name City Parent Company Date Established Number of Offices Total Employees S Corp (Yes/No) Alamerica Bank Birmingham Alamerica BancCorp, Inc. 01/28/ Yes 40, AloStar Bank of Commerce Birmingham 04/15/ No 902, American Bank of Huntsville Huntsville ABH Bancorp, Inc. 10/21/ No 123, AmeriFirst Bank Union Springs USAL Bancorp, Inc. 01/02/ No 143, AuburnBank Auburn Auburn National Bancorporation, Inc. 01/03/ No 790, Bank Independent Sheffield BancIndependent Incorporated 08/02/ No 1,175, Bank of Brewton Brewton 1/7/ No 49, Bank of Evergreen Evergreen 09/01/ No 57, Bank of Moundville Moundville Moundville Bancshares, Inc. 09/17/ No 94, Bank of Pine Hill Pine Hill 08/21/ No 25, Bank of Vernon Vernon First Vernon Bancshares, Inc. 11/11/ No 140, Bank of Walker County Jasper Relations Bancshares, Inc. 03/29/ No 70, Bank of Wedowee Wedowee Swann Bancshares, Inc. 02/06/ No 116, Bank of York York 01/01/ Yes 107, BankSouth Dothan BancSouth Corporation 01/04/ Yes 173, Brantley Bank and Trust Company Brantley Brantley Bancorp, Inc. 03/06/ No 67, Bryant Bank Tuscaloosa 06/10/ Yes 1,315, Cadence Bank, N.A. Birmingham Cadence Bancorp, LLC 5/1/ ,302 No 7,925, Capstone Bank Tuscaloosa Capstone Bancshares, Inc. 12/15/ No 431, CB&S Bank Russellville CBS Banc-Corp. 02/28/ No 1,476, CCB Community Bank Andalusia Southern National Corporation 07/01/ Yes 434, Central State Bank Calera Central State Bancorporation 02/05/ Yes 197, Cheaha Bank Oxford Cheaha Financial Group, Inc. 08/23/ No 186, Citizens Bank Enterprise Enterprise Capital Corporation, Inc. 02/05/ No 110, Citizens Bank Greensboro Citizens BancShares, Inc. 11/01/ No 100, Citizens Bank & Trust Guntersville Citizens B & T Holdings, Inc. 03/03/ No 357, Citizens Bank of Fayette Fayette F.B.H. Corporation 06/01/ Yes 196, Citizens Bank of Valley Head Valley Head Citizens Bancorporation, Inc. 08/12/ No 26, Citizens Bank of Winfield Winfield Citizens Bancorp of Winfield, Inc. 05/22/ No 206, Citizens' Bank, Inc. Robertsdale Citizens' Capital Corporation 09/08/ Yes 96, Citizens State Bank Vernon Citizens Southern Bancshares, Inc. 09/09/ Yes 84, Commercial Bank of Ozark Ozark Commercial Bancshares of Ozark, Inc. 04/02/ Yes 84, Commonwealth National Bank Mobile CNB Bancorp, Inc. 02/19/ No 58, Community Bank & Trust - Union Springs Community Bankshares, Inc. 05/18/ No 59, Community Neighbor Bank Camden First Camden Bancshares, Inc. 05/01/ No 110, Community Spirit Bank Red Bay Independent Bancshares, Inc. 03/17/ No 145, Compass Bank Birmingham Banco Bilbao Vizcaya Argentaria, SA 03/02/ ,999 No 79,624, Covenant Bank Leeds Covenant Bancgroup, Inc. 12/30/ No 75, Cullman Savings Bank (MHC) Cullman Cullman Savings Bank, MHC 10/1/ No 231, Escambia County Bank Flomaton 04/21/ Yes 83, EvaBank Cullman 10/13/ No 330, Exchange Bank of Altoona Gadsden Corporation 03/10/ No 249, Farmers & Merchants Bank Waterloo 07/01/ No 75, Farmers & Merchants Bank Piedmont F&M Financial Corp 04/12/ No 211, Farmers and Merchants Bank LaFayette Farmers & Merchants Bancshares, Inc. 01/30/ No 133, Farmers Exchange Bank Louisville FEB Bancshares, Inc. 01/01/ Yes 136, First Bank Wadley Peoples Independent Bancshares, Inc. 11/06/ Yes 68, First Bank of Boaz Boaz First Boaz Bancorporation 01/01/ No 186, First Bank of Linden Linden First Linden Bancshares, Inc. 05/07/ No 81, ROAA ROAE 5 of 14

6 Bank Listing Company Name City Parent Company Date Established Number of Offices Total Employees S Corp (Yes/No) First Bank of the South Rainsville First Rainsville Bancshares, Inc. 02/01/ No 84, First Cahawba Bank Selma 09/10/ No 92, First Citizens Bank Luverne First Citizens-Crenshaw Bancshares, Inc. 07/08/ No 228, First Community Bank Chatom Southwest Banc Shares, Inc. 07/08/ Yes 320, First Community Bank of Central Wetumpka Central Bancshares, Inc. 08/28/ Yes 335, First Community Bank of Cullman Cullman Southern Community Bancshares, Inc. 01/01/ No 76, First Federal Bank, A FSB Tuscaloosa Southeastern Financial, Inc. 01/01/ Yes 114, First Fidelity Bank Fort Payne FBDC Financial Corporation 05/03/ No 89, First Financial Bank Bessemer FirstFed Bancorp, Inc. 05/17/ Yes 167, First Jackson Bank Stevenson 1st Jackson Bancshares, Inc. 04/10/ No 224, First Metro Bank Muscle Shoals First Metro Bancorp 11/07/ No 525, First National Bank Hamilton Marion County Bancshares, Inc. 05/06/ Yes 282, First National Bank and Trust Atmore First Suncoast Trust Bancshares, Inc. 01/01/ Yes 130, First National Bank of Brundidge Brundidge First Brundidge Bancshares, Inc. 10/15/ No 97, First National Bank of Dozier Dozier First Dozier Bancshares, Inc. 03/10/ No 38, First National Bank of Hartford Hartford First Hartford Bancshares, Inc. 01/02/ Yes 118, First National Bank of Talladega Talladega First National Talladega Corporation 1/1/ No 408, First Partners Bank Birmingham First Partners Financial, Inc. 10/15/ No 206, First Progressive Bank Brewton 11/10/ No 31, First Southern Bank Florence First Southern Bancshares, Inc. 01/01/ No 233, First Southern State Bank Stevenson First Bancshares of Stevenson, Inc. 10/01/ No 365, First State Bank of DeKalb County Fort Payne First State Bancshares of Dekalb County, Inc. 05/19/ No 95, First State Bank of the South, Inc. Sulligent First State Holding Corp. 04/20/ No 96, First Tuskegee Bank Tuskegee Birthright, Incorporated 10/11/ Yes 52, First US Bank Thomasville United Security Bancshares, Inc. 01/21/ No 572, FirstState Bank Lineville First State Capital Corporation 08/24/ No 210, FNB Bank Scottsboro FNS Bancshares, Inc. 01/01/ No 362, FNB of Central Tuscaloosa FNB Bancshares of Central, Inc. 08/02/ No 232, Friend Bank Slocomb SNB Holdings, Inc. 10/01/ Yes 68, HNB First Bank Headland HNB Holding Company, Inc. 08/16/ Yes 103, HomeTown Bank of Oneonta HomeTown Bancorp of, Inc. 10/20/ No 308, Horizon Bank Fyffe 02/23/ No 90, Keystone Bank Auburn Keystone Bancshares, Inc. 03/02/ No 239, Liberty Bank Geraldine First Bancorporation of Geraldine, Inc. 05/29/ No 107, Marion Bank and Trust Company Marion Marion Bancshares, Inc. 03/17/ Yes 248, Merchants & Farmers Bank of Greene County Eutaw Merchants and Farmers Bancshares, Inc. 01/02/ Yes 63, Merchants Bank Jackson Merchants Trust, Inc. 11/16/ Yes 203, Merchants Bank of Cullman Merchants Financial Services, Inc. 01/01/ No 249, Metro Bank Pell City 05/30/ No 661, MidSouth Bank Dothan MidSouth Bancorporation 01/01/ Yes 383, National Bank of Commerce Birmingham National Commerce Corporation 06/21/ No 907, NobleBank & Trust Anniston 10/05/ No 177, North Bank Hazel Green North Bancshares, Inc. 08/14/ No 94, Oakworth Capital Bank Birmingham Oakworth Capital, Inc. 03/31/ No 334, Peoples Bank of Cullman Altrust Financial Services, Inc. 10/24/ Yes 614, Peoples Bank of Greensboro Greensboro Greensboro Bancshares, Inc. 03/07/ Yes 88, Peoples Bank of Red Level Red Level Red Level Financial Corporation 08/01/ No 15, Peoples Exchange Bank of Monroe County Monroeville Peoples Exchange Bancshares, Inc. 09/18/ No 62, Peoples Independent Bank Boaz Peoples Independent Bancshares, Inc. 05/02/ Yes 186, ROAA ROAE 6 of 14

7 Bank Listing Company Name City Parent Company Date Established Number of Offices Total Employees S Corp (Yes/No) Peoples Southern Bank Clanton PSB Bancshares, Inc. 01/01/ Yes 163, PeoplesTrust Bank Hamilton Hometown Bancshares, Inc. 07/23/ No 83, Phenix-Girard Bank Phenix City Phenix-Girard Bancshares, Inc. 05/04/ Yes 180, Pinnacle Bank Jasper Pinnacle Bancshares, Inc. 11/01/ No 218, Premier Bank of the South Cullman FCB Bancshares, Inc. 11/30/ Yes 150, PrimeSouth Bank Tallassee PrimeSouth Bancshares, Inc. 09/02/ No 190, Progress Bank and Trust Huntsville Progress Financial Corporation 02/04/ No 580, Regions Bank Birmingham Regions Financial Corporation 05/07/28 1,669 23,052 No 118,801, Reliance Bank Athens RB Bancorporation 12/15/ No 158, River Bank & Trust Prattville River Financial Corporation 04/03/ No 446, Robertson Banking Company Demopolis RBC, Inc. 1/1/ Yes 256, Samson Banking Company, Inc. Samson 01/27/ Yes 57, Security Federal Savings Bank Jasper Se-Fed Bancshares, Inc. 02/01/ Yes 38, ServisFirst Bank Birmingham ServisFirst Bancshares, Inc. 05/02/ No 4,098, Small Town Bank Wedowee East Financial Group, Inc. 07/02/ No 217, SouthBank, A Federal Savings Bank Huntsville Commonwealth Savingshares Corporation 05/04/ Yes 112, Southern Bank Company Gadsden Southern Banc Company, Inc. 06/01/ No 95, Southern Independent Bank Opp Southern Independent Bancshares, Inc. 12/04/ No 200, Southern States Bank Anniston Southern States Bancshares, Inc. 08/27/ No 304, SouthFirst Bank Sylacauga SouthFirst Bancshares, Inc. 10/18/ No 92, SouthPoint Bank Birmingham 10/07/ No 203, State Bank & Trust Winfield Peoples Bancorporation, Inc. 10/03/ Yes 220, SunSouth Bank Dothan SunSouth Bancshares, Inc. 11/26/ No 154, Sweet Water State Bank Sweet Water Tombigbee Bancshares, Inc. 11/12/ Yes 96, Town-Country National Bank Camden 03/02/ Yes 100, Traders & Farmers Bank Haleyville Traders & Farmers Bancshares, Inc. 01/06/ No 362, Traditions Bank Cullman Traditions Bancshares, Inc. 08/04/ No 283, Trinity Bank Dothan 02/24/ No 101, Troy Bank & Trust Company Troy Trust No. 3 Under The Will of Charles Henderson 09/05/ No 836, Union State Bank Pell City Union Bancshares, Inc. 01/01/ No 233, United Bank Atmore United Bancorporation of, Inc. 01/04/ No 488, Valley State Bank Russellville Valley Bancshares, Inc. 04/04/ No 124, Vantage Bank of Albertville Vantage Bancshares, Inc. 11/06/ No 111, West Bank & Trust Reform West Capital Corp. 07/29/ No 564, ROAA ROAE 7 of 14

8 Rank Company Name City Total Employees Number of Offices Total Deposits Deposits / Office Assets / Office Deposits / Employee Assets / Employee 1 Regions Bank Birmingham 23,052 1,669 96,443,142 57,785 71,181 4,184 5, ,801,412 2 Compass Bank Birmingham 9, ,357,473 90, ,788 6,136 7,963 79,624,593 3 Cadence Bank, N.A. Birmingham 1, ,601,309 77,662 93,247 5,070 6,088 7,925,958 4 ServisFirst Bank Birmingham ,459, , ,164 11,972 14,182 4,098,628 5 CB&S Bank Russellville ,215,983 21,714 26,361 2,303 2,796 1,476,204 6 Bryant Bank Tuscaloosa ,099,652 78,547 93,999 5,417 6,483 1,315,986 7 Bank Independent Sheffield ,001,025 38,501 45,213 1,971 2,314 1,175,539 8 National Bank of Commerce Birmingham ,539 86, ,887 3,897 4, ,983 9 AloStar Bank of Commerce Birmingham , , ,851 6,476 9, , Troy Bank & Trust Company Troy ,140 77,460 92,950 5,281 6, , AuburnBank Auburn ,702 69,570 79,011 4,431 5, , Metro Bank Pell City ,625 63,958 73,492 3,289 3, , Peoples Bank of Cullman ,077 20,683 24,572 2,200 2, , Progress Bank and Trust Huntsville ,448 99, ,008 4,702 5, , First US Bank Thomasville ,723 24,186 28,630 1,721 2, , West Bank & Trust Reform ,802 32,557 40,288 2,979 3, , First Metro Bank Muscle Shoals ,349 58,294 65,644 4,240 4, , United Bank Atmore ,700 24,206 27,152 2,421 2, , River Bank & Trust Prattville ,027 77,805 89,341 4,863 5, , CCB Community Bank Andalusia ,793 88, ,647 3,050 3, , Capstone Bank Tuscaloosa ,016 46,502 53,910 3,796 4, , First National Bank of Talladega Talladega , , ,279 7,104 9, , MidSouth Bank Dothan ,396 34,140 38,329 3,520 3, , First Southern State Bank Stevenson ,140 41,018 45,710 3,772 4, , Traders & Farmers Bank Haleyville ,937 35,242 45,327 2,611 3, , FNB Bank Scottsboro ,573 35,064 40,280 3,220 3, , Citizens Bank & Trust Guntersville ,396 42,342 51,049 3,222 3, , First Community Bank of Central Wetumpka ,441 43,777 47,891 4,256 4, , Oakworth Capital Bank Birmingham , , ,179 7,235 8, , EvaBank Cullman ,014 51,803 66,146 2,943 3, , First Community Bank Chatom ,344 26,934 32,059 2,721 3, , HomeTown Bank of Oneonta ,243 86, ,939 4,394 5, , Southern States Bank Anniston ,325 40,221 50,780 3,352 4, , Traditions Bank Cullman ,951 41,659 47,196 3,571 4, , First National Bank Hamilton ,347 29,793 35,325 2,648 3, , Robertson Banking Company Demopolis ,752 36,959 42,833 2,957 3, , Merchants Bank of Cullman ,729 44,946 49,963 2,774 3, , Exchange Bank of Altoona ,091 43,218 49,871 3,001 3, , Marion Bank and Trust Company Marion , , ,478 5,562 6, , Keystone Bank Auburn ,579 68,193 79,692 4,758 5, , Union State Bank Pell City ,271 14,618 15,574 1,940 2, , First Southern Bank Florence ,475 42,295 46,645 3,411 3, , FNB of Central Tuscaloosa ,120 40,024 46,521 3,392 3, , Cullman Savings Bank (MHC) Cullman ,260 37,565 57,938 3,665 5, , First Citizens Bank Luverne ,088 37,418 45,691 2,970 3, , First Jackson Bank Stevenson ,581 32,097 37,368 4,479 5, , State Bank & Trust Winfield ,460 47,865 55,043 3,301 3, , Pinnacle Bank Jasper ,286 27,327 31,271 3,356 3, , Small Town Bank Wedowee ,021 43,505 54,467 4,351 5, , Farmers & Merchants Bank Piedmont ,102 44,276 52,919 3,542 4, ,675 8 of 14

9 Rank Company Name City Net Interest Margin Yield on Loans Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Securities (FTE) 1 EvaBank Cullman 330, Sweet Water State Bank Sweet Water 96, Traditions Bank Cullman 283, Bank Independent Sheffield 1,175, First US Bank Thomasville 572, Peoples Bank of Red Level Red Level 15, Citizens Bank of Valley Head Valley Head 26, Southern States Bank Anniston 304, CCB Community Bank Andalusia 434, Liberty Bank Geraldine 107, Peoples Exchange Bank of Monroe County Monroeville 62, First Partners Bank Birmingham 206, Alamerica Bank Birmingham 40, Cheaha Bank Oxford 186, North Bank Hazel Green 94, Peoples Bank of Cullman 614, Premier Bank of the South Cullman 150, Metro Bank Pell City 661, Town-Country National Bank Camden 100, First Tuskegee Bank Tuskegee 52, Bank of Evergreen Evergreen 57, Trinity Bank Dothan 101, Central State Bank Calera 197, Citizens Bank & Trust Guntersville 357, HomeTown Bank of Oneonta 308, Brantley Bank and Trust Company Brantley 67, Bank of Vernon Vernon 140, Friend Bank Slocomb 68, Commonwealth National Bank Mobile 58, Community Spirit Bank Red Bay 145, Cadence Bank, N.A. Birmingham 7,925, Farmers Exchange Bank Louisville 136, Horizon Bank Fyffe 90, Farmers & Merchants Bank Piedmont 211, Community Neighbor Bank Camden 110, First Community Bank Chatom 320, Capstone Bank Tuscaloosa 431, Cullman Savings Bank (MHC) Cullman 231, Citizens' Bank, Inc. Robertsdale 96, PrimeSouth Bank Tallassee 190, First Community Bank of Central Wetumpka 335, Bank of Walker County Jasper 70, Small Town Bank Wedowee 217, First Cahawba Bank Selma 92, Peoples Independent Bank Boaz 186, First Bank of the South Rainsville 84, First Citizens Bank Luverne 228, First Southern Bank Florence 233, Vantage Bank of Albertville 111, BankSouth Dothan 173, Net Interest Margin 9 of 14

10 Noninterest Income Rank Company Name City Net Income Service Charges on Deposits / Avg Assets Gain on Sale of Loans/ Avg Asset Net Servicing Fees/ Avg Assets Net Gains on OREO/ Avg Assets Total Noninterest Income 1 First Federal Bank, A FSB Tuscaloosa 114, , First Financial Bank Bessemer 167, , Peoples Bank of Cullman 614,294 4, , SouthBank, A Federal Savings Bank Huntsville 112,747-1, , SouthPoint Bank Birmingham 203,680 3, , Union State Bank Pell City 233, , Regions Bank Birmingham 118,801,412 1,307, ,787, Traditions Bank Cullman 283,173 3, , Peoples Exchange Bank of Monroe County Monroeville 62, Commonwealth National Bank Mobile 58, Merchants & Farmers Bank of Greene County Eutaw 63, HomeTown Bank of Oneonta 308,818 5, , Bank Independent Sheffield 1,175,539 11, , First National Bank and Trust Atmore 130, , Premier Bank of the South Cullman 150,113 1, , Reliance Bank Athens 158,451 1, , First Partners Bank Birmingham 206,545 2, , HNB First Bank Headland 103, , First Citizens Bank Luverne 228,454 2, , SouthFirst Bank Sylacauga 92, Friend Bank Slocomb 68, First Tuskegee Bank Tuskegee 52, Community Bank & Trust - Union Springs 59, CB&S Bank Russellville 1,476,204 14, , Peoples Southern Bank Clanton 163,029 1, , AloStar Bank of Commerce Birmingham 902,851 5, , Cadence Bank, N.A. Birmingham 7,925,958 48, , First Bank Wadley 68, West Bank & Trust Reform 564,027 6, , First National Bank Hamilton 282,596 4, , United Bank Atmore 488,731 2, , Oakworth Capital Bank Birmingham 334,179 3, , Compass Bank Birmingham 79,624, , , First State Bank of the South, Inc. Sulligent 96, Phenix-Girard Bank Phenix City 180,276 1, , Merchants Bank of Cullman 249,815 1, , Robertson Banking Company Demopolis 256,996 3, , Escambia County Bank Flomaton 83, NobleBank & Trust Anniston 177,535 1, , Bank of Walker County Jasper 70, First Community Bank of Central Wetumpka 335,236 5, , Citizens Bank & Trust Guntersville 357,341 3, , Progress Bank and Trust Huntsville 580,039 3, , Farmers & Merchants Bank Piedmont 211,675 1, , Merchants Bank Jackson 203,383 1, , Central State Bank Calera 197,114 2, , First US Bank Thomasville 572,609 3, , Exchange Bank of Altoona 249,353 2, , Security Federal Savings Bank Jasper 38, Sweet Water State Bank Sweet Water 96,345 1, Noninterest Income/ Avg Assets 10 of 14

11 Total Overhead Rank Company Name City Efficiency Ratio (FTE) Total Employees Number of Offices Personnel Expense/ Avg. Assets Occupancy Expense/ Avg. Assets Other Expense/ Avg. Assets Total Overhead/ Avg. Assets 1 ServisFirst Bank Birmingham 4,098, Citizens Bank of Winfield Winfield 206, First Bank of Boaz Boaz 186, Citizens Bank Greensboro 100, Citizens Bank of Fayette Fayette 196, Citizens State Bank Vernon 84, Farmers & Merchants Bank Waterloo 75, Valley State Bank Russellville 124, First National Bank of Talladega Talladega 408, Southern Independent Bank Opp 200, First Metro Bank Muscle Shoals 525, State Bank & Trust Winfield 220, AuburnBank Auburn 790, Marion Bank and Trust Company Marion 248, First Jackson Bank Stevenson 224, First National Bank of Dozier Dozier 38, First Southern State Bank Stevenson 365, Small Town Bank Wedowee 217, PrimeSouth Bank Tallassee 190, Troy Bank & Trust Company Troy 836, Bryant Bank Tuscaloosa 1,315, Peoples Bank of Greensboro Greensboro 88, River Bank & Trust Prattville 446, West Bank & Trust Reform 564, First Community Bank of Central Wetumpka 335, Bank of York York 107, Peoples Southern Bank Clanton 163, First Fidelity Bank Fort Payne 89, MidSouth Bank Dothan 383, Metro Bank Pell City 661, Cheaha Bank Oxford 186, Brantley Bank and Trust Company Brantley 67, Keystone Bank Auburn 239, Cullman Savings Bank (MHC) Cullman 231, Compass Bank Birmingham 79,624, , FirstState Bank Lineville 210, Exchange Bank of Altoona 249, Pinnacle Bank Jasper 218, First Progressive Bank Brewton 31, Oakworth Capital Bank Birmingham 334, Traders & Farmers Bank Haleyville 362, BankSouth Dothan 173, First National Bank Hamilton 282, Phenix-Girard Bank Phenix City 180, Regions Bank Birmingham 118,801, ,052 1, First Bank of Linden Linden 81, Bank of Moundville Moundville 94, Farmers and Merchants Bank LaFayette 133, Bank of Wedowee Wedowee 116, Samson Banking Company, Inc. Samson 57, of 14

12 Asset Quality Rank Company Name City Gross Loans Loan Loss Reserves/ Gross Loans Adj 30-89PD/ Gross Loans Adj 90+PD/ Gross Loans Adj NPLs + Adj OREO/ Gross Loans Net Chargeoffs/ Avg Loans 1 Oakworth Capital Bank Birmingham 334, , First National Bank of Dozier Dozier 38,659 7, Bank of York York 107,627 35, First Bank of Linden Linden 81,511 32, Security Federal Savings Bank Jasper 38,676 14, ServisFirst Bank Birmingham 4,098,628 3,365, Bryant Bank Tuscaloosa 1,315, , Cheaha Bank Oxford 186, , Robertson Banking Company Demopolis 256, , First Bank of Boaz Boaz 186,656 48, First National Bank Hamilton 282, , First Metro Bank Muscle Shoals 525, , Progress Bank and Trust Huntsville 580, , Compass Bank Birmingham 79,624,593 57,526, Reliance Bank Athens 158, , National Bank of Commerce Birmingham 907, , First National Bank and Trust Atmore 130,132 66, BankSouth Dothan 173, , Peoples Bank of Red Level Red Level 15,933 6, AuburnBank Auburn 790, , Cadence Bank, N.A. Birmingham 7,925,958 6,201, Peoples Exchange Bank of Monroe County Monroeville 62,657 38, Exchange Bank of Altoona 249, , First Southern Bank Florence 233, , Central State Bank Calera 197, , Pinnacle Bank Jasper 218,899 84, River Bank & Trust Prattville 446, , NobleBank & Trust Anniston 177, , CCB Community Bank Andalusia 434, , MidSouth Bank Dothan 383, , Premier Bank of the South Cullman 150, , Southern States Bank Anniston 304, , Friend Bank Slocomb 68,786 50, FNB Bank Scottsboro 362, , First Cahawba Bank Selma 92,648 66, Southern Bank Company Gadsden 95,827 43, Citizens Bank Enterprise 110,652 51, First Southern State Bank Stevenson 365, , Keystone Bank Auburn 239, , Peoples Southern Bank Clanton 163,029 52, West Bank & Trust Reform 564, , Southern Independent Bank Opp 200, , Traditions Bank Cullman 283, , First Community Bank of Central Wetumpka 335, , Vantage Bank of Albertville 111,095 64, Cullman Savings Bank (MHC) Cullman 231, , FNB of Central Tuscaloosa 232, , FirstState Bank Lineville 210, , Town-Country National Bank Camden 100,268 60, Citizens Bank Greensboro 100,027 46, Asset Quality Composite 12 of 14

13 Return on Average Equity Rank Company Name City LTM Net Income Total Employees LTM Net Income / Employee 2013Q4 LTM Net Income 2012Q4 LTM Net Income 1 EvaBank Cullman 330,728 9, ,859 6, SouthPoint Bank Birmingham 203,680 3, , Cheaha Bank Oxford 186,810 3, ,630 2, ServisFirst Bank Birmingham 4,098,628 53, ,763 35, First Community Bank of Central Wetumpka 335,236 5, ,363 5, HomeTown Bank of Oneonta 308,818 5, ,431 4, First Metro Bank Muscle Shoals 525,155 7, ,242 6, Trinity Bank Dothan 101,239 1, , FirstState Bank Lineville 210,972 2, ,687 2, Traditions Bank Cullman 283,173 3, ,629 2, Bank of Evergreen Evergreen 57, CCB Community Bank Andalusia 434,586 7, ,779 7, Southern Independent Bank Opp 200,334 2, ,473 1, First Southern State Bank Stevenson 365,682 3, ,005 2, First Citizens Bank Luverne 228,454 2, ,444 3, Metro Bank Pell City 661,429 8, ,650 7, Keystone Bank Auburn 239,075 2, ,712 2, Citizens Bank Greensboro 100,027 1, ,084 1, Peoples Bank of Greensboro Greensboro 88,461 1, ,078 1, AuburnBank Auburn 790,110 7, ,647 6, CB&S Bank Russellville 1,476,204 14, ,040 12, West Bank & Trust Reform 564,027 6, ,225 3, First Partners Bank Birmingham 206,545 2, ,976 1, Small Town Bank Wedowee 217,867 3, ,634 2, Citizens Bank & Trust Guntersville 357,341 3, ,804 2, First Bank of Boaz Boaz 186,656 2, ,938 2, FNB Bank Scottsboro 362,522 3, ,729 2, First Jackson Bank Stevenson 224,210 1, ,878 1, River Bank & Trust Prattville 446,707 3, ,983 2, Robertson Banking Company Demopolis 256,996 3, ,655 3, First National Bank of Talladega Talladega 408,836 4, ,725 2, Peoples Bank of Red Level Red Level 15, Sweet Water State Bank Sweet Water 96,345 1, ,074 1, Citizens Bank of Winfield Winfield 206,169 3, ,729 3, Pinnacle Bank Jasper 218,899 2, ,010 2, Regions Bank Birmingham 118,801,412 1,307,339 23, ,298,770 1,337, Exchange Bank of Altoona 249,353 2, ,648 1, Bank Independent Sheffield 1,175,539 11, ,836 12, Brantley Bank and Trust Company Brantley 67, Town-Country National Bank Camden 100,268 1, ,594 1, Bryant Bank Tuscaloosa 1,315,986 13, ,401 8, Traders & Farmers Bank Haleyville 362,614 3, ,080 3, Marion Bank and Trust Company Marion 248,956 3, ,077 3, First Southern Bank Florence 233,226 1, ,544 1, Farmers and Merchants Bank LaFayette 133,927 1, ,296 1, Peoples Independent Bank Boaz 186,582 2, ,972 2, Capstone Bank Tuscaloosa 431,282 3, ,635 2, Liberty Bank Geraldine 107,287 1, ,020 1, First Bank of Linden Linden 81, Premier Bank of the South Cullman 150,113 1, ,429 1, ROAA ROAE 13 of 14

14 Overall Ranking Rank Company Name City Net Interest Margin Rank Noninterest Income Rank Total Overhead Rank Asset Quality Rank 1 Cheaha Bank Oxford 186, First Metro Bank Muscle Shoals 525, First Community Bank of Central Wetumpka 335, HomeTown Bank of Oneonta 308, Traditions Bank Cullman 283, Robertson Banking Company Demopolis 256, ServisFirst Bank Birmingham 4,098, First Partners Bank Birmingham 206, Exchange Bank of Altoona 249, CCB Community Bank Andalusia 434, Oakworth Capital Bank Birmingham 334, First National Bank Hamilton 282, Keystone Bank Auburn 239, Citizens Bank & Trust Guntersville 357, West Bank & Trust Reform 564, First Citizens Bank Luverne 228, Premier Bank of the South Cullman 150, Town-Country National Bank Camden 100, Central State Bank Calera 197, FirstState Bank Lineville 210, AuburnBank Auburn 790, First Southern State Bank Stevenson 365, Metro Bank Pell City 661, FNB Bank Scottsboro 362, Bank of Evergreen Evergreen 57, River Bank & Trust Prattville 446, Peoples Exchange Bank of Monroe County Monroeville 62, Peoples Bank of Red Level Red Level 15, Bank Independent Sheffield 1,175, Brantley Bank and Trust Company Brantley 67, Regions Bank Birmingham 118,801, Small Town Bank Wedowee 217, First Bank of Linden Linden 81, Cadence Bank, N.A. Birmingham 7,925, Pinnacle Bank Jasper 218, SouthPoint Bank Birmingham 203, National Bank of Commerce Birmingham 907, Capstone Bank Tuscaloosa 431, First Bank of Boaz Boaz 186, EvaBank Cullman 330, First Southern Bank Florence 233, Friend Bank Slocomb 68, Sweet Water State Bank Sweet Water 96, Peoples Bank of Greensboro Greensboro 88, Bryant Bank Tuscaloosa 1,315, Southern Independent Bank Opp 200, NobleBank & Trust Anniston 177, Southern States Bank Anniston 304, Cullman Savings Bank (MHC) Cullman 231, Citizens Bank Greensboro 100, ROAE Rank Overall Rank 14 of 14