Report Fourth Quarter 2014
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 - 2013Q4 LTM Net Income - 2012Q4 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
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, 2014. 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 30-89 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
Belief Strength Purpose Report - Banks Street Partners Team BSP Services BSP Downloads Lee Burrows lburrows@banksstreetpartners.com - 404-848-8480 Gary McNorrill gmcnorrill@banksstreetpartners.com 704-927-6244 Mark Saunders msaunders@banksstreetpartners.com 404-848-2686 Jeff Adams jadams@banksstreetpartners.com 404-924-6382 Will Brackett wbrackett@banksstreetpartners.com 404-848-0890 Joe Maloney jmaloney@banksstreetpartners.com 404-848-2662 Matt Kennedy mkennedy@banksstreetpartners.com 704-927-6251 William Izlar wizlar@banksstreetpartners.com 404-848-2665 Julian LeCraw jlecraw@banksstreetpartners.com 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 http://banksstreetpartners.com/bs p-downloads/ to access and download all available material 1380 West Paces Ferry Rd. NW Suite 2060 Atlanta, GA 30327 (404)-848-1571 // 200 Providence Road, Suite 210 Charlotte, NC 28207 (704)-927-6244 Belief Strength Purpose
Bank Listing Company Name City Parent Company Date Established Number of Offices Total Employees S Corp (Yes/No) Alamerica Bank Birmingham Alamerica BancCorp, Inc. 01/28/00 1 9 Yes 40,502-2.34-14.28 AloStar Bank of Commerce Birmingham 04/15/11 1 98 No 902,851 0.62 3.26 American Bank of Huntsville Huntsville ABH Bancorp, Inc. 10/21/20 1 34 No 123,347-0.37-4.38 AmeriFirst Bank Union Springs USAL Bancorp, Inc. 01/02/16 3 42 No 143,222 0.18 1.79 AuburnBank Auburn Auburn National Bancorporation, Inc. 01/03/07 10 157 No 790,110 0.99 9.95 Bank Independent Sheffield BancIndependent Incorporated 08/02/47 26 508 No 1,175,539 1.00 8.09 Bank of Brewton Brewton 1/7/1889 2 26 No 49,801 0.06 0.32 Bank of Evergreen Evergreen 09/01/32 1 14 No 57,530 1.14 11.60 Bank of Moundville Moundville Moundville Bancshares, Inc. 09/17/07 1 17 No 94,242 0.03 0.37 Bank of Pine Hill Pine Hill 08/21/47 1 9 No 25,445-0.06-0.49 Bank of Vernon Vernon First Vernon Bancshares, Inc. 11/11/11 2 27 No 140,697 0.67 4.54 Bank of Walker County Jasper Relations Bancshares, Inc. 03/29/04 1 19 No 70,277 0.75 5.24 Bank of Wedowee Wedowee Swann Bancshares, Inc. 02/06/06 3 34 No 116,878 0.33 2.90 Bank of York York 01/01/11 2 22 Yes 107,627 0.47 4.59 BankSouth Dothan BancSouth Corporation 01/04/28 2 27 Yes 173,124 0.90 4.58 Brantley Bank and Trust Company Brantley Brantley Bancorp, Inc. 03/06/46 2 23 No 67,036 1.20 8.00 Bryant Bank Tuscaloosa 06/10/05 14 203 Yes 1,315,986 0.72 7.98 Cadence Bank, N.A. Birmingham Cadence Bancorp, LLC 5/1/1887 85 1,302 No 7,925,958 0.68 4.28 Capstone Bank Tuscaloosa Capstone Bancshares, Inc. 12/15/78 8 98 No 431,282 0.87 7.51 CB&S Bank Russellville CBS Banc-Corp. 02/28/06 56 528 No 1,476,204 0.98 9.78 CCB Community Bank Andalusia Southern National Corporation 07/01/47 4 116 Yes 434,586 1.20 11.45 Central State Bank Calera Central State Bancorporation 02/05/16 4 58 Yes 197,114 0.88 7.26 Cheaha Bank Oxford Cheaha Financial Group, Inc. 08/23/00 4 42 No 186,810 1.72 16.25 Citizens Bank Enterprise Enterprise Capital Corporation, Inc. 02/05/46 2 26 No 110,652 0.60 5.45 Citizens Bank Greensboro Citizens BancShares, Inc. 11/01/76 1 15 No 100,027 1.24 10.13 Citizens Bank & Trust Guntersville Citizens B & T Holdings, Inc. 03/03/03 7 92 No 357,341 0.90 9.13 Citizens Bank of Fayette Fayette F.B.H. Corporation 06/01/13 2 31 Yes 196,615 0.66 3.72 Citizens Bank of Valley Head Valley Head Citizens Bancorporation, Inc. 08/12/35 3 15 No 26,141 0.58 5.42 Citizens Bank of Winfield Winfield Citizens Bancorp of Winfield, Inc. 05/22/20 1 28 No 206,169 1.78 8.21 Citizens' Bank, Inc. Robertsdale Citizens' Capital Corporation 09/08/81 4 38 Yes 96,173 0.14 1.26 Citizens State Bank Vernon Citizens Southern Bancshares, Inc. 09/09/77 2 16 Yes 84,282 0.50 4.34 Commercial Bank of Ozark Ozark Commercial Bancshares of Ozark, Inc. 04/02/59 2 26 Yes 84,244 0.13 1.53 Commonwealth National Bank Mobile CNB Bancorp, Inc. 02/19/76 3 29 No 58,720-0.75-9.75 Community Bank & Trust - Union Springs Community Bankshares, Inc. 05/18/90 2 25 No 59,916-0.49-9.45 Community Neighbor Bank Camden First Camden Bancshares, Inc. 05/01/06 2 35 No 110,164 0.79 5.62 Community Spirit Bank Red Bay Independent Bancshares, Inc. 03/17/08 5 38 No 145,034 0.16 1.67 Compass Bank Birmingham Banco Bilbao Vizcaya Argentaria, SA 03/02/64 676 9,999 No 79,624,593 0.58 3.79 Covenant Bank Leeds Covenant Bancgroup, Inc. 12/30/97 1 17 No 75,908-1.23-14.91 Cullman Savings Bank (MHC) Cullman Cullman Savings Bank, MHC 10/1/1887 4 41 No 231,750 0.96 6.05 Escambia County Bank Flomaton 04/21/24 1 19 Yes 83,172 0.36 2.81 EvaBank Cullman 10/13/86 5 88 No 330,728 2.99 21.99 Exchange Bank of Altoona Gadsden Corporation 03/10/09 5 72 No 249,353 0.94 8.09 Farmers & Merchants Bank Waterloo 07/01/14 2 11 No 75,146 1.39 6.90 Farmers & Merchants Bank Piedmont F&M Financial Corp 04/12/15 4 50 No 211,675 0.83 6.36 Farmers and Merchants Bank LaFayette Farmers & Merchants Bancshares, Inc. 01/30/34 3 34 No 133,927 1.06 7.77 Farmers Exchange Bank Louisville FEB Bancshares, Inc. 01/01/17 4 40 Yes 136,627 0.59 6.62 First Bank Wadley Peoples Independent Bancshares, Inc. 11/06/07 5 26 Yes 68,233 0.69 5.93 First Bank of Boaz Boaz First Boaz Bancorporation 01/01/06 1 28 No 186,656 1.53 9.04 First Bank of Linden Linden First Linden Bancshares, Inc. 05/07/04 1 15 No 81,511 1.01 7.45 ROAA ROAE 5 of 14
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. 02/01/83 3 29 No 84,201 0.37 4.20 First Cahawba Bank Selma 09/10/07 2 20 No 92,648 0.76 6.33 First Citizens Bank Luverne First Citizens-Crenshaw Bancshares, Inc. 07/08/80 5 63 No 228,454 1.21 10.42 First Community Bank Chatom Southwest Banc Shares, Inc. 07/08/09 10 99 Yes 320,587 0.63 6.40 First Community Bank of Central Wetumpka Central Bancshares, Inc. 08/28/01 7 72 Yes 335,236 1.19 14.85 First Community Bank of Cullman Cullman Southern Community Bancshares, Inc. 01/01/05 2 14 No 76,835 0.46 4.02 First Federal Bank, A FSB Tuscaloosa Southeastern Financial, Inc. 01/01/58 3 108 Yes 114,985 0.34 2.72 First Fidelity Bank Fort Payne FBDC Financial Corporation 05/03/65 3 26 No 89,735 0.34 4.00 First Financial Bank Bessemer FirstFed Bancorp, Inc. 05/17/65 9 72 Yes 167,875 0.16 1.92 First Jackson Bank Stevenson 1st Jackson Bancshares, Inc. 04/10/81 6 43 No 224,210 0.81 8.69 First Metro Bank Muscle Shoals First Metro Bancorp 11/07/88 8 110 No 525,155 1.49 14.66 First National Bank Hamilton Marion County Bancshares, Inc. 05/06/76 8 90 Yes 282,596 1.00 6.73 First National Bank and Trust Atmore First Suncoast Trust Bancshares, Inc. 01/01/15 4 47 Yes 130,132 0.18 1.65 First National Bank of Brundidge Brundidge First Brundidge Bancshares, Inc. 10/15/04 2 25 No 97,563 0.67 5.35 First National Bank of Dozier Dozier First Dozier Bancshares, Inc. 03/10/10 1 6 No 38,659 0.78 6.55 First National Bank of Hartford Hartford First Hartford Bancshares, Inc. 01/02/05 1 28 Yes 118,986 0.41 3.37 First National Bank of Talladega Talladega First National Talladega Corporation 1/1/1848 3 45 No 408,836 1.16 8.49 First Partners Bank Birmingham First Partners Financial, Inc. 10/15/07 2 43 No 206,545 1.23 9.36 First Progressive Bank Brewton 11/10/77 1 11 No 31,642 0.26 1.02 First Southern Bank Florence First Southern Bancshares, Inc. 01/01/35 5 62 No 233,226 0.70 7.83 First Southern State Bank Stevenson First Bancshares of Stevenson, Inc. 10/01/10 8 87 No 365,682 1.02 10.54 First State Bank of DeKalb County Fort Payne First State Bancshares of Dekalb County, Inc. 05/19/82 2 25 No 95,020 0.48 2.96 First State Bank of the South, Inc. Sulligent First State Holding Corp. 04/20/73 5 43 No 96,401 0.83 5.35 First Tuskegee Bank Tuskegee Birthright, Incorporated 10/11/91 3 26 Yes 52,339-0.68-8.50 First US Bank Thomasville United Security Bancshares, Inc. 01/21/52 20 281 No 572,609 0.69 5.35 FirstState Bank Lineville First State Capital Corporation 08/24/71 3 46 No 210,972 1.30 13.09 FNB Bank Scottsboro FNS Bancshares, Inc. 01/01/07 9 98 No 362,522 1.06 9.01 FNB of Central Tuscaloosa FNB Bancshares of Central, Inc. 08/02/65 5 59 No 232,605 0.58 5.14 Friend Bank Slocomb SNB Holdings, Inc. 10/01/05 5 21 Yes 68,786 0.59 5.27 HNB First Bank Headland HNB Holding Company, Inc. 08/16/33 2 28 Yes 103,716 0.36 2.98 HomeTown Bank of Oneonta HomeTown Bancorp of, Inc. 10/20/03 3 59 No 308,818 1.66 14.71 Horizon Bank Fyffe 02/23/73 3 32 No 90,801 0.44 2.69 Keystone Bank Auburn Keystone Bancshares, Inc. 03/02/07 3 43 No 239,075 1.08 10.17 Liberty Bank Geraldine First Bancorporation of Geraldine, Inc. 05/29/71 5 49 No 107,287 1.03 7.49 Marion Bank and Trust Company Marion Marion Bancshares, Inc. 03/17/34 2 37 Yes 248,956 0.86 7.87 Merchants & Farmers Bank of Greene County Eutaw Merchants and Farmers Bancshares, Inc. 01/02/00 2 21 Yes 63,719 0.17 1.55 Merchants Bank Jackson Merchants Trust, Inc. 11/16/62 6 56 Yes 203,383 0.47 4.67 Merchants Bank of Cullman Merchants Financial Services, Inc. 01/01/07 5 81 No 249,815 0.59 6.27 Metro Bank Pell City 05/30/89 9 175 No 661,429 1.27 10.27 MidSouth Bank Dothan MidSouth Bancorporation 01/01/12 10 97 Yes 383,285 0.05 0.49 National Bank of Commerce Birmingham National Commerce Corporation 06/21/04 9 199 No 907,983 0.71 6.34 NobleBank & Trust Anniston 10/05/05 4 45 No 177,535 0.68 6.74 North Bank Hazel Green North Bancshares, Inc. 08/14/89 3 29 No 94,441 0.59 5.60 Oakworth Capital Bank Birmingham Oakworth Capital, Inc. 03/31/08 1 38 No 334,179 1.17 7.32 Peoples Bank of Cullman Altrust Financial Services, Inc. 10/24/77 25 235 Yes 614,294 0.56 6.08 Peoples Bank of Greensboro Greensboro Greensboro Bancshares, Inc. 03/07/04 1 20 Yes 88,461 0.88 10.09 Peoples Bank of Red Level Red Level Red Level Financial Corporation 08/01/14 1 6 No 15,933 1.02 8.41 Peoples Exchange Bank of Monroe County Monroeville Peoples Exchange Bancshares, Inc. 09/18/07 1 28 No 62,657 0.71 5.36 Peoples Independent Bank Boaz Peoples Independent Bancshares, Inc. 05/02/88 6 56 Yes 186,582 0.81 7.67 ROAA ROAE 6 of 14
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. 01/01/01 3 45 Yes 163,029 0.67 4.75 PeoplesTrust Bank Hamilton Hometown Bancshares, Inc. 07/23/04 3 27 No 83,869 0.53 5.08 Phenix-Girard Bank Phenix City Phenix-Girard Bancshares, Inc. 05/04/04 4 42 Yes 180,276 0.68 5.30 Pinnacle Bank Jasper Pinnacle Bancshares, Inc. 11/01/35 7 57 No 218,899 0.94 8.16 Premier Bank of the South Cullman FCB Bancshares, Inc. 11/30/87 9 58 Yes 150,113 0.69 7.39 PrimeSouth Bank Tallassee PrimeSouth Bancshares, Inc. 09/02/58 4 38 No 190,281 0.74 7.38 Progress Bank and Trust Huntsville Progress Financial Corporation 02/04/08 5 106 No 580,039 0.55 5.53 Regions Bank Birmingham Regions Financial Corporation 05/07/28 1,669 23,052 No 118,801,412 1.11 8.10 Reliance Bank Athens RB Bancorporation 12/15/98 6 34 No 158,451 0.70 5.60 River Bank & Trust Prattville River Financial Corporation 04/03/06 5 80 No 446,707 0.81 8.68 Robertson Banking Company Demopolis RBC, Inc. 1/1/1870 6 75 Yes 256,996 0.92 8.68 Samson Banking Company, Inc. Samson 01/27/30 1 20 Yes 57,752 0.67 4.09 Security Federal Savings Bank Jasper Se-Fed Bancshares, Inc. 02/01/71 1 13 Yes 38,676 0.38 3.33 ServisFirst Bank Birmingham ServisFirst Bancshares, Inc. 05/02/05 16 289 No 4,098,628 1.43 15.57 Small Town Bank Wedowee East Financial Group, Inc. 07/02/99 4 40 No 217,867 1.44 9.22 SouthBank, A Federal Savings Bank Huntsville Commonwealth Savingshares Corporation 05/04/90 7 54 Yes 112,747-0.61-7.19 Southern Bank Company Gadsden Southern Banc Company, Inc. 06/01/36 4 32 No 95,827-0.38-2.58 Southern Independent Bank Opp Southern Independent Bancshares, Inc. 12/04/06 2 30 No 200,334 0.99 10.69 Southern States Bank Anniston Southern States Bancshares, Inc. 08/27/07 6 72 No 304,681 1.10 7.01 SouthFirst Bank Sylacauga SouthFirst Bancshares, Inc. 10/18/49 3 28 No 92,408 0.04 0.44 SouthPoint Bank Birmingham 10/07/05 4 70 No 203,680 1.54 17.89 State Bank & Trust Winfield Peoples Bancorporation, Inc. 10/03/07 4 58 Yes 220,172 0.73 6.15 SunSouth Bank Dothan SunSouth Bancshares, Inc. 11/26/54 2 33 No 154,221-1.33-23.70 Sweet Water State Bank Sweet Water Tombigbee Bancshares, Inc. 11/12/13 4 33 Yes 96,345 0.80 8.29 Town-Country National Bank Camden 03/02/78 1 33 Yes 100,268 1.16 8.00 Traders & Farmers Bank Haleyville Traders & Farmers Bancshares, Inc. 01/06/06 8 108 No 362,614 0.99 7.88 Traditions Bank Cullman Traditions Bancshares, Inc. 08/04/03 6 70 No 283,173 1.11 12.06 Trinity Bank Dothan 02/24/06 3 26 No 101,239 1.57 13.91 Troy Bank & Trust Company Troy Trust No. 3 Under The Will of Charles Henderson 09/05/06 9 132 No 836,553 0.64 6.23 Union State Bank Pell City Union Bancshares, Inc. 01/01/03 15 113 No 233,616 0.20 3.65 United Bank Atmore United Bancorporation of, Inc. 01/04/04 18 180 No 488,731 0.45 4.56 Valley State Bank Russellville Valley Bancshares, Inc. 04/04/85 4 28 No 124,316 0.56 3.98 Vantage Bank of Albertville Vantage Bancshares, Inc. 11/06/06 2 26 No 111,095 0.39 2.98 West Bank & Trust Reform West Capital Corp. 07/29/44 14 153 No 564,027 1.12 9.44 ROAA ROAE 7 of 14
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 5,154 118,801,412 2 Compass Bank Birmingham 9,999 676 61,357,473 90,765 117,788 6,136 7,963 79,624,593 3 Cadence Bank, N.A. Birmingham 1,302 85 6,601,309 77,662 93,247 5,070 6,088 7,925,958 4 ServisFirst Bank Birmingham 289 16 3,459,771 216,236 256,164 11,972 14,182 4,098,628 5 CB&S Bank Russellville 528 56 1,215,983 21,714 26,361 2,303 2,796 1,476,204 6 Bryant Bank Tuscaloosa 203 14 1,099,652 78,547 93,999 5,417 6,483 1,315,986 7 Bank Independent Sheffield 508 26 1,001,025 38,501 45,213 1,971 2,314 1,175,539 8 National Bank of Commerce Birmingham 199 9 775,539 86,171 100,887 3,897 4,563 907,983 9 AloStar Bank of Commerce Birmingham 98 1 634,626 634,626 902,851 6,476 9,213 902,851 10 Troy Bank & Trust Company Troy 132 9 697,140 77,460 92,950 5,281 6,338 836,553 11 AuburnBank Auburn 157 10 695,702 69,570 79,011 4,431 5,033 790,110 12 Metro Bank Pell City 175 9 575,625 63,958 73,492 3,289 3,780 661,429 13 Peoples Bank of Cullman 235 25 517,077 20,683 24,572 2,200 2,614 614,294 14 Progress Bank and Trust Huntsville 106 5 498,448 99,690 116,008 4,702 5,472 580,039 15 First US Bank Thomasville 281 20 483,723 24,186 28,630 1,721 2,038 572,609 16 West Bank & Trust Reform 153 14 455,802 32,557 40,288 2,979 3,686 564,027 17 First Metro Bank Muscle Shoals 110 8 466,349 58,294 65,644 4,240 4,774 525,155 18 United Bank Atmore 180 18 435,700 24,206 27,152 2,421 2,715 488,731 19 River Bank & Trust Prattville 80 5 389,027 77,805 89,341 4,863 5,584 446,707 20 CCB Community Bank Andalusia 116 4 353,793 88,448 108,647 3,050 3,746 434,586 21 Capstone Bank Tuscaloosa 98 8 372,016 46,502 53,910 3,796 4,401 431,282 22 First National Bank of Talladega Talladega 45 3 319,675 106,558 136,279 7,104 9,085 408,836 23 MidSouth Bank Dothan 97 10 341,396 34,140 38,329 3,520 3,951 383,285 24 First Southern State Bank Stevenson 87 8 328,140 41,018 45,710 3,772 4,203 365,682 25 Traders & Farmers Bank Haleyville 108 8 281,937 35,242 45,327 2,611 3,358 362,614 26 FNB Bank Scottsboro 98 9 315,573 35,064 40,280 3,220 3,699 362,522 27 Citizens Bank & Trust Guntersville 92 7 296,396 42,342 51,049 3,222 3,884 357,341 28 First Community Bank of Central Wetumpka 72 7 306,441 43,777 47,891 4,256 4,656 335,236 29 Oakworth Capital Bank Birmingham 38 1 274,925 274,925 334,179 7,235 8,794 334,179 30 EvaBank Cullman 88 5 259,014 51,803 66,146 2,943 3,758 330,728 31 First Community Bank Chatom 99 10 269,344 26,934 32,059 2,721 3,238 320,587 32 HomeTown Bank of Oneonta 59 3 259,243 86,414 102,939 4,394 5,234 308,818 33 Southern States Bank Anniston 72 6 241,325 40,221 50,780 3,352 4,232 304,681 34 Traditions Bank Cullman 70 6 249,951 41,659 47,196 3,571 4,045 283,173 35 First National Bank Hamilton 90 8 238,347 29,793 35,325 2,648 3,140 282,596 36 Robertson Banking Company Demopolis 75 6 221,752 36,959 42,833 2,957 3,427 256,996 37 Merchants Bank of Cullman 81 5 224,729 44,946 49,963 2,774 3,084 249,815 38 Exchange Bank of Altoona 72 5 216,091 43,218 49,871 3,001 3,463 249,353 39 Marion Bank and Trust Company Marion 37 2 205,786 102,893 124,478 5,562 6,729 248,956 40 Keystone Bank Auburn 43 3 204,579 68,193 79,692 4,758 5,560 239,075 41 Union State Bank Pell City 113 15 219,271 14,618 15,574 1,940 2,067 233,616 42 First Southern Bank Florence 62 5 211,475 42,295 46,645 3,411 3,762 233,226 43 FNB of Central Tuscaloosa 59 5 200,120 40,024 46,521 3,392 3,942 232,605 44 Cullman Savings Bank (MHC) Cullman 41 4 150,260 37,565 57,938 3,665 5,652 231,750 45 First Citizens Bank Luverne 63 5 187,088 37,418 45,691 2,970 3,626 228,454 46 First Jackson Bank Stevenson 43 6 192,581 32,097 37,368 4,479 5,214 224,210 47 State Bank & Trust Winfield 58 4 191,460 47,865 55,043 3,301 3,796 220,172 48 Pinnacle Bank Jasper 57 7 191,286 27,327 31,271 3,356 3,840 218,899 49 Small Town Bank Wedowee 40 4 174,021 43,505 54,467 4,351 5,447 217,867 50 Farmers & Merchants Bank Piedmont 50 4 177,102 44,276 52,919 3,542 4,234 211,675 8 of 14
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 330,728 10.09-2.33 1.06-2.63 97.05 6.33 8.06 2 Sweet Water State Bank Sweet Water 96,345 6.86 5.19 0.43-2.03 83.22 3.58 5.98 3 Traditions Bank Cullman 283,173 6.86 11.95 0.53 14.22 94.04 3.07 5.91 4 Bank Independent Sheffield 1,175,539 6.49 6.85 0.29 6.72 94.55 2.92 5.89 5 First US Bank Thomasville 572,609 9.33-14.38 0.52-0.13 54.92 2.28 5.49 6 Peoples Bank of Red Level Red Level 15,933 11.12 3.44 0.21 4.67 43.42 1.22 5.27 7 Citizens Bank of Valley Head Valley Head 26,141 6.95-1.98 0.40 0.67 77.67 2.73 5.22 8 Southern States Bank Anniston 304,681 5.81 13.05 0.42 17.27 101.77 2.49 5.03 9 CCB Community Bank Andalusia 434,586 5.83 3.90 0.54 1.15 103.97 4.28 4.86 10 Liberty Bank Geraldine 107,287 7.28 7.93 0.42 2.11 55.52 3.62 4.79 11 Peoples Exchange Bank of Monroe County Monroeville 62,657 6.27 3.24 0.40 0.38 71.61 2.44 4.77 12 First Partners Bank Birmingham 206,545 5.93 16.31 0.63-7.45 100.09 3.85 4.73 13 Alamerica Bank Birmingham 40,502 6.24 0.49 0.94-1.57 76.86 3.03 4.68 14 Cheaha Bank Oxford 186,810 6.82 6.62 0.50 0.67 65.92 4.10 4.67 15 North Bank Hazel Green 94,441 6.89-8.77 0.59-7.40 64.52 2.58 4.63 16 Peoples Bank of Cullman 614,294 5.74 20.53 0.50 9.69 84.42 3.20 4.60 17 Premier Bank of the South Cullman 150,113 6.36 7.11 0.40 5.67 77.18 1.47 4.58 18 Metro Bank Pell City 661,429 6.29-0.56 0.68 1.46 70.29 4.49 4.56 19 Town-Country National Bank Camden 100,268 6.90 5.31 0.67-6.37 71.65 3.63 4.54 19 First Tuskegee Bank Tuskegee 52,339 6.58-9.12 0.27-9.87 59.17 2.67 4.54 21 Bank of Evergreen Evergreen 57,530 6.42 1.29 0.62 0.30 70.93 2.55 4.49 21 Trinity Bank Dothan 101,239 5.37 11.13 0.63 14.12 95.37 2.20 4.49 23 Central State Bank Calera 197,114 6.07 14.15 0.47 5.97 77.53 2.97 4.43 24 Citizens Bank & Trust Guntersville 357,341 5.54 5.24 0.56 9.98 80.93 3.97 4.37 25 HomeTown Bank of Oneonta 308,818 6.71 11.71 0.82-1.44 72.83 3.26 4.32 25 Brantley Bank and Trust Company Brantley 67,036 6.13 9.50 0.42-1.08 45.75 4.80 4.32 25 Bank of Vernon Vernon 140,697 6.20 0.10 0.74-3.48 87.65 2.21 4.32 28 Friend Bank Slocomb 68,786 5.48 11.49 0.36-3.47 82.18 2.93 4.29 29 Commonwealth National Bank Mobile 58,720 6.79 21.19 0.12-1.82 55.77 2.85 4.27 30 Community Spirit Bank Red Bay 145,034 5.98-2.49 0.60 2.33 72.87 3.11 4.26 31 Cadence Bank, N.A. Birmingham 7,925,958 4.94 27.43 0.36 23.34 93.94 2.65 4.22 32 Farmers Exchange Bank Louisville 136,627 5.52-4.40 0.73 0.97 72.29 2.93 4.20 33 Horizon Bank Fyffe 90,801 6.32-3.42 0.37-0.64 64.57 1.37 4.18 34 Farmers & Merchants Bank Piedmont 211,675 6.38-0.40 0.55 4.29 55.58 2.57 4.17 34 Community Neighbor Bank Camden 110,164 6.51-2.76 0.42 1.37 65.38 2.82 4.17 34 First Community Bank Chatom 320,587 5.37 8.63 0.51 1.97 85.82 3.14 4.17 37 Capstone Bank Tuscaloosa 431,282 4.97 7.66 0.53 5.93 96.28 2.61 4.15 38 Cullman Savings Bank (MHC) Cullman 231,750 5.54 5.48 1.19 2.11 124.89 3.13 4.14 38 Citizens' Bank, Inc. Robertsdale 96,173 5.33 2.23 0.28-3.59 77.72 2.34 4.14 40 PrimeSouth Bank Tallassee 190,281 5.76 14.66 0.83 4.55 85.44 2.42 4.12 41 First Community Bank of Central Wetumpka 335,236 5.55 4.62 0.51 7.96 66.89 2.76 4.07 42 Bank of Walker County Jasper 70,277 5.89-2.22 0.45-2.01 78.24 2.14 4.05 42 Small Town Bank Wedowee 217,867 6.38-0.62 0.87-4.49 53.52 4.62 4.05 44 First Cahawba Bank Selma 92,648 5.36 13.61 0.36-5.31 86.80 2.48 4.04 44 Peoples Independent Bank Boaz 186,582 5.98-1.96 0.59 2.33 52.39 3.83 4.04 44 First Bank of the South Rainsville 84,201 5.56-3.68 0.34 4.26 57.88 2.36 4.04 47 First Citizens Bank Luverne 228,454 6.99 14.21 0.48 2.04 55.65 2.54 4.02 48 First Southern Bank Florence 233,226 5.23 7.73 0.49 22.97 74.41 2.35 4.00 49 Vantage Bank of Albertville 111,095 6.08 19.11 0.55 46.73 66.34 4.41 3.99 49 BankSouth Dothan 173,124 4.76-2.16 0.44-4.72 107.91 1.04 3.99 Net Interest Margin 9 of 14
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 114,985 663 0.02 8.16 0.03-0.05 10,341 8.32 2 First Financial Bank Bessemer 167,875 436 1.32 0.00 0.00-0.18 4,288 2.36 3 Peoples Bank of Cullman 614,294 4,933 1.34 0.00 0.00 0.02 13,180 2.30 4 SouthBank, A Federal Savings Bank Huntsville 112,747-1,488 0.19 0.01 0.00 0.15 3,041 1.91 5 SouthPoint Bank Birmingham 203,680 3,173 0.12 1.39 0.00-0.02 3,769 1.83 6 Union State Bank Pell City 233,616 460 0.91 0.00 0.00-0.04 3,716 1.61 7 Regions Bank Birmingham 118,801,412 1,307,339 0.59 0.09 0.09 0.02 1,787,477 1.52 8 Traditions Bank Cullman 283,173 3,039 0.87 0.16 0.00-0.08 3,791 1.39 9 Peoples Exchange Bank of Monroe County Monroeville 62,657 453 0.58 0.00 0.00 0.09 831 1.31 10 Commonwealth National Bank Mobile 58,720-441 0.60 0.00 0.00-0.25 736 1.25 11 Merchants & Farmers Bank of Greene County Eutaw 63,719 160 0.66 0.00 0.00 0.00 741 1.21 11 HomeTown Bank of Oneonta 308,818 5,069 0.81 0.00 0.00-0.01 3,673 1.21 13 Bank Independent Sheffield 1,175,539 11,149 0.62 0.05 0.00 0.00 13,066 1.17 14 First National Bank and Trust Atmore 130,132 366 0.51 0.00 0.00-0.01 1,558 1.16 15 Premier Bank of the South Cullman 150,113 1,554 0.67 0.00 0.00 0.02 1,624 1.11 16 Reliance Bank Athens 158,451 1,033 0.20 0.00 0.00 0.01 1,575 1.07 17 First Partners Bank Birmingham 206,545 2,414 0.03 0.70 0.05 0.00 2,089 1.06 18 HNB First Bank Headland 103,716 565 0.30 0.00 0.00 0.01 1,076 1.05 19 First Citizens Bank Luverne 228,454 2,718 0.43 0.00 0.00-0.05 2,324 1.04 20 SouthFirst Bank Sylacauga 92,408 42 0.29 0.46 0.00-0.05 984 1.03 21 Friend Bank Slocomb 68,786 617 0.63 0.01 0.00-0.02 696 1.01 21 First Tuskegee Bank Tuskegee 52,339-589 0.40 0.00 0.00-0.17 565 1.01 21 Community Bank & Trust - Union Springs 59,916-315 0.69 0.00 0.00-0.13 657 1.01 24 CB&S Bank Russellville 1,476,204 14,625 0.45 0.04 0.00-0.03 14,825 1.00 25 Peoples Southern Bank Clanton 163,029 1,598 0.51 0.00 0.00 0.01 1,513 0.97 25 AloStar Bank of Commerce Birmingham 902,851 5,595 0.10-0.02 0.00 0.01 8,696 0.97 25 Cadence Bank, N.A. Birmingham 7,925,958 48,119 0.17 0.04 0.00 0.01 68,328 0.97 28 First Bank Wadley 68,233 753 0.63 0.00 0.00 0.00 675 0.95 29 West Bank & Trust Reform 564,027 6,144 0.54 0.05 0.00-0.13 5,148 0.93 30 First National Bank Hamilton 282,596 4,275 0.43 0.00 0.00 0.02 2,572 0.92 30 United Bank Atmore 488,731 2,219 0.47 0.07 0.00-0.12 4,560 0.92 30 Oakworth Capital Bank Birmingham 334,179 3,321 0.08 0.00 0.00 0.00 2,611 0.92 33 Compass Bank Birmingham 79,624,593 438,303 0.29 0.03 0.02 0.00 693,497 0.91 34 First State Bank of the South, Inc. Sulligent 96,401 805 0.79 0.00 0.00 0.00 875 0.90 35 Phenix-Girard Bank Phenix City 180,276 1,818 0.61 0.00 0.00-0.28 1,503 0.87 36 Merchants Bank of Cullman 249,815 1,453 0.46 0.00 0.00-0.12 2,105 0.85 36 Robertson Banking Company Demopolis 256,996 3,659 0.49 0.00 0.00 0.06 2,207 0.85 38 Escambia County Bank Flomaton 83,172 459 0.30 0.00 0.00 0.07 685 0.84 39 NobleBank & Trust Anniston 177,535 1,201 0.50 0.00 0.02 0.00 1,464 0.83 40 Bank of Walker County Jasper 70,277 537 0.54 0.00 0.00 0.00 562 0.79 41 First Community Bank of Central Wetumpka 335,236 5,846 0.35 0.00 0.00 0.00 2,485 0.78 42 Citizens Bank & Trust Guntersville 357,341 3,004 0.40 0.00 0.00 0.02 2,563 0.77 42 Progress Bank and Trust Huntsville 580,039 3,048 0.06 0.24 0.00-0.06 4,314 0.77 42 Farmers & Merchants Bank Piedmont 211,675 1,591 0.38 0.00 0.00-0.13 1,467 0.77 45 Merchants Bank Jackson 203,383 1,464 0.54 0.00 0.00 0.00 1,558 0.76 46 Central State Bank Calera 197,114 2,630 0.31 0.15 0.00-0.07 1,457 0.75 47 First US Bank Thomasville 572,609 3,921 0.37 0.00 0.00-0.09 4,140 0.73 47 Exchange Bank of Altoona 249,353 2,353 0.38 0.00 0.00-0.10 1,840 0.73 47 Security Federal Savings Bank Jasper 38,676 222 0.70 0.00 0.00 0.00 275 0.73 50 Sweet Water State Bank Sweet Water 96,345 1,152 0.62 0.00 0.00 0.00 672 0.72 Noninterest Income/ Avg Assets 10 of 14
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 4,098,628 39 289 16 0.83 0.15 0.52 1.49 2 Citizens Bank of Winfield Winfield 206,169 35 28 1 0.85 0.19 0.51 1.56 3 First Bank of Boaz Boaz 186,656 47 28 1 0.79 0.20 0.59 1.59 4 Citizens Bank Greensboro 100,027 45 15 1 0.92 0.17 0.50 1.59 5 Citizens Bank of Fayette Fayette 196,615 56 31 2 1.04 0.21 0.36 1.60 6 Citizens State Bank Vernon 84,282 58 16 2 0.72 0.26 0.70 1.69 7 Farmers & Merchants Bank Waterloo 75,146 43 11 2 1.27 0.11 0.39 1.77 8 Valley State Bank Russellville 124,316 66 28 4 1.00 0.29 0.52 1.80 9 First National Bank of Talladega Talladega 408,836 48 45 3 0.81 0.37 0.65 1.83 10 Southern Independent Bank Opp 200,334 57 30 2 1.04 0.14 0.77 1.95 11 First Metro Bank Muscle Shoals 525,155 45 110 8 1.20 0.25 0.52 1.97 12 State Bank & Trust Winfield 220,172 60 58 4 1.15 0.26 0.60 2.01 13 AuburnBank Auburn 790,110 56 157 10 1.16 0.19 0.67 2.02 14 Marion Bank and Trust Company Marion 248,956 56 37 2 1.01 0.15 0.88 2.04 15 First Jackson Bank Stevenson 224,210 57 43 6 1.00 0.27 0.81 2.08 16 First National Bank of Dozier Dozier 38,659 66 6 1 1.27 0.25 0.60 2.12 17 First Southern State Bank Stevenson 365,682 57 87 8 1.24 0.31 0.64 2.19 18 Small Town Bank Wedowee 217,867 48 40 4 1.29 0.29 0.62 2.20 19 PrimeSouth Bank Tallassee 190,281 59 38 4 1.17 0.33 0.81 2.31 20 Troy Bank & Trust Company Troy 836,553 61 132 9 1.27 0.22 0.83 2.32 21 Bryant Bank Tuscaloosa 1,315,986 66 203 14 1.24 0.38 0.71 2.33 22 Peoples Bank of Greensboro Greensboro 88,461 63 20 1 1.11 0.36 0.87 2.34 23 River Bank & Trust Prattville 446,707 62 80 5 1.30 0.26 0.88 2.44 24 West Bank & Trust Reform 564,027 58 153 14 1.25 0.29 0.91 2.44 25 First Community Bank of Central Wetumpka 335,236 54 72 7 1.40 0.28 0.80 2.48 26 Bank of York York 107,627 77 22 2 1.39 0.18 0.96 2.53 27 Peoples Southern Bank Clanton 163,029 65 45 3 1.44 0.18 0.91 2.53 28 First Fidelity Bank Fort Payne 89,735 82 26 3 1.22 0.41 0.92 2.55 29 MidSouth Bank Dothan 383,285 95 97 10 1.48 0.38 0.69 2.55 30 Metro Bank Pell City 661,429 52 175 9 1.67 0.37 0.51 2.56 31 Cheaha Bank Oxford 186,810 49 42 4 1.38 0.35 0.83 2.56 32 Brantley Bank and Trust Company Brantley 67,036 54 23 2 1.50 0.32 0.75 2.57 33 Keystone Bank Auburn 239,075 61 43 3 1.57 0.20 0.82 2.59 34 Cullman Savings Bank (MHC) Cullman 231,750 63 41 4 1.65 0.30 0.64 2.59 35 Compass Bank Birmingham 79,624,593 71 9,999 676 1.27 0.33 1.00 2.59 36 FirstState Bank Lineville 210,972 57 46 3 1.49 0.34 0.77 2.61 37 Exchange Bank of Altoona 249,353 61 72 5 1.60 0.44 0.59 2.62 38 Pinnacle Bank Jasper 218,899 65 57 7 1.32 0.45 0.86 2.63 39 First Progressive Bank Brewton 31,642 87 11 1 1.25 0.40 0.98 2.64 40 Oakworth Capital Bank Birmingham 334,179 57 38 1 1.84 0.15 0.65 2.65 41 Traders & Farmers Bank Haleyville 362,614 61 108 8 1.63 0.28 0.74 2.65 42 BankSouth Dothan 173,124 64 27 2 2.04 0.23 0.37 2.65 43 First National Bank Hamilton 282,596 56 90 8 1.62 0.35 0.68 2.66 44 Phenix-Girard Bank Phenix City 180,276 73 42 4 1.53 0.20 0.97 2.71 45 Regions Bank Birmingham 118,801,412 61 23,052 1,669 1.44 0.55 0.71 2.71 46 First Bank of Linden Linden 81,511 63 15 1 1.52 0.13 1.08 2.72 47 Bank of Moundville Moundville 94,242 93 17 1 1.02 0.39 1.31 2.72 48 Farmers and Merchants Bank LaFayette 133,927 63 34 3 1.37 0.33 1.03 2.73 49 Bank of Wedowee Wedowee 116,878 85 34 3 1.52 0.45 0.76 2.73 50 Samson Banking Company, Inc. Samson 57,752 72 20 1 1.48 0.23 1.03 2.75 11 of 14
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 334,179 253,787 1.10 0.00 0.00 0.00 0.00 0.00 2 First National Bank of Dozier Dozier 38,659 7,226 1.95 0.07 0.07 0.00 0.03 0.17 3 Bank of York York 107,627 35,238 0.97 0.51 0.00 0.24-0.01 0.74 4 First Bank of Linden Linden 81,511 32,704 1.13 0.59 0.00 0.00 0.19 0.78 5 Security Federal Savings Bank Jasper 38,676 14,349 1.35 0.65 0.06 0.00 0.19 0.90 6 ServisFirst Bank Birmingham 4,098,628 3,365,842 1.06 0.15 0.03 0.56 0.17 0.91 7 Bryant Bank Tuscaloosa 1,315,986 751,935 1.18 0.11 0.00 0.85-0.02 0.94 8 Cheaha Bank Oxford 186,810 104,069 1.64 0.39 0.27 0.26 0.04 0.96 9 Robertson Banking Company Demopolis 256,996 195,700 1.07 0.55 0.00 0.42 0.04 1.01 10 First Bank of Boaz Boaz 186,656 48,724 2.11 0.77 0.00 0.28 0.02 1.07 11 First National Bank Hamilton 282,596 110,630 0.99 0.21 0.03 0.83 0.18 1.25 12 First Metro Bank Muscle Shoals 525,155 323,448 0.84 0.90 0.01 0.25 0.15 1.31 13 Progress Bank and Trust Huntsville 580,039 434,509 0.98 0.00 0.00 1.31 0.18 1.49 14 Compass Bank Birmingham 79,624,593 57,526,600 1.19 0.35 0.13 0.82 0.22 1.52 15 Reliance Bank Athens 158,451 104,680 1.41 0.36 0.00 1.44-0.19 1.61 16 National Bank of Commerce Birmingham 907,983 745,421 1.32 1.13 0.03 0.42 0.05 1.62 17 First National Bank and Trust Atmore 130,132 66,631 2.83 0.54 0.00 1.50-0.40 1.64 18 BankSouth Dothan 173,124 149,731 1.80 0.19 0.00 1.10 0.41 1.70 19 Peoples Bank of Red Level Red Level 15,933 6,096 1.48 0.00 0.00 1.64 0.14 1.78 20 AuburnBank Auburn 790,110 405,584 1.19 0.70 0.00 0.96 0.12 1.78 21 Cadence Bank, N.A. Birmingham 7,925,958 6,201,295 0.82 0.28 0.74 0.71 0.08 1.81 22 Peoples Exchange Bank of Monroe County Monroeville 62,657 38,469 1.48 0.45 0.00 1.46-0.03 1.88 23 Exchange Bank of Altoona 249,353 158,519 1.58 0.40 0.07 1.72-0.31 1.89 24 First Southern Bank Florence 233,226 157,682 1.26 0.76 0.00 1.30 0.01 2.07 25 Central State Bank Calera 197,114 131,148 1.68 1.32 0.00 0.65 0.16 2.14 26 Pinnacle Bank Jasper 218,899 84,260 1.87 1.31 0.21 0.83-0.09 2.26 27 River Bank & Trust Prattville 446,707 265,750 1.42 0.40 0.16 1.37 0.39 2.32 28 NobleBank & Trust Anniston 177,535 104,551 1.20 0.29 0.00 1.97 0.11 2.37 29 CCB Community Bank Andalusia 434,586 368,207 1.23 0.09 0.44 1.93-0.09 2.37 30 MidSouth Bank Dothan 383,285 236,418 2.14 0.36 0.01 1.97 0.05 2.39 31 Premier Bank of the South Cullman 150,113 103,922 1.47 0.36 0.02 1.81 0.23 2.42 32 Southern States Bank Anniston 304,681 247,288 1.25 0.07 0.00 2.37 0.12 2.56 33 Friend Bank Slocomb 68,786 50,156 1.34 0.43 0.07 1.73 0.34 2.57 34 FNB Bank Scottsboro 362,522 218,899 1.40 1.36 0.07 0.80 0.35 2.58 35 First Cahawba Bank Selma 92,648 66,808 0.83 0.66 0.00 1.87 0.11 2.64 36 Southern Bank Company Gadsden 95,827 43,114 0.93 1.38 0.06 0.98 0.23 2.65 37 Citizens Bank Enterprise 110,652 51,713 1.66 0.51 0.00 2.22 0.02 2.76 38 First Southern State Bank Stevenson 365,682 172,661 1.55 1.80 0.01 0.69 0.27 2.77 39 Keystone Bank Auburn 239,075 165,399 1.43 0.71 0.30 1.56 0.25 2.82 40 Peoples Southern Bank Clanton 163,029 52,120 2.29 0.57 0.00 2.36 0.10 3.03 41 West Bank & Trust Reform 564,027 297,799 1.41 0.62 0.00 2.02 0.43 3.07 42 Southern Independent Bank Opp 200,334 108,164 2.25 0.68 0.00 2.85-0.41 3.13 43 Traditions Bank Cullman 283,173 235,061 1.50 0.21 0.01 2.49 0.46 3.17 44 First Community Bank of Central Wetumpka 335,236 204,985 2.08 1.62 0.13 1.20 0.33 3.28 45 Vantage Bank of Albertville 111,095 64,769 1.06 0.37 0.00 2.03 0.88 3.29 46 Cullman Savings Bank (MHC) Cullman 231,750 187,657 0.99 1.29 0.00 2.03-0.02 3.30 47 FNB of Central Tuscaloosa 232,605 138,623 1.41 0.17 0.00 3.36-0.20 3.33 48 FirstState Bank Lineville 210,972 116,169 1.16 0.99 0.12 2.02 0.21 3.34 49 Town-Country National Bank Camden 100,268 60,369 4.06 1.65 0.11 1.38 0.25 3.40 50 Citizens Bank Greensboro 100,027 46,234 1.10 2.99 0.36 0.08-0.01 3.42 Asset Quality Composite 12 of 14
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 9,871 88 112 7,859 6,051 2.99 21.99 2 SouthPoint Bank Birmingham 203,680 3,173 70 45 1,780 848 1.54 17.89 3 Cheaha Bank Oxford 186,810 3,179 42 76 2,630 2,441 1.72 16.25 4 ServisFirst Bank Birmingham 4,098,628 53,560 289 185 42,763 35,998 1.43 15.57 5 First Community Bank of Central Wetumpka 335,236 5,846 72 81 5,363 5,039 1.19 14.85 6 HomeTown Bank of Oneonta 308,818 5,069 59 86 4,431 4,194 1.66 14.71 7 First Metro Bank Muscle Shoals 525,155 7,842 110 71 7,242 6,730 1.49 14.66 8 Trinity Bank Dothan 101,239 1,482 26 57 1,482 532 1.57 13.91 9 FirstState Bank Lineville 210,972 2,717 46 59 2,687 2,783 1.30 13.09 10 Traditions Bank Cullman 283,173 3,039 70 43 2,629 2,383 1.11 12.06 11 Bank of Evergreen Evergreen 57,530 624 14 45 493 522 1.14 11.60 12 CCB Community Bank Andalusia 434,586 7,868 116 68 7,779 7,234 1.20 11.45 13 Southern Independent Bank Opp 200,334 2,038 30 68 1,473 1,593 0.99 10.69 14 First Southern State Bank Stevenson 365,682 3,613 87 42 4,005 2,628 1.02 10.54 15 First Citizens Bank Luverne 228,454 2,718 63 43 2,444 3,022 1.21 10.42 16 Metro Bank Pell City 661,429 8,300 175 47 6,650 7,147 1.27 10.27 17 Keystone Bank Auburn 239,075 2,598 43 60 2,712 2,533 1.08 10.17 18 Citizens Bank Greensboro 100,027 1,221 15 81 1,084 1,252 1.24 10.13 19 Peoples Bank of Greensboro Greensboro 88,461 1,243 20 62 1,078 1,138 0.88 10.09 20 AuburnBank Auburn 790,110 7,629 157 49 6,647 6,983 0.99 9.95 21 CB&S Bank Russellville 1,476,204 14,625 528 28 19,040 12,180 0.98 9.78 22 West Bank & Trust Reform 564,027 6,144 153 40 5,225 3,804 1.12 9.44 23 First Partners Bank Birmingham 206,545 2,414 43 56 1,976 1,791 1.23 9.36 24 Small Town Bank Wedowee 217,867 3,130 40 78 2,634 2,461 1.44 9.22 25 Citizens Bank & Trust Guntersville 357,341 3,004 92 33 2,804 2,629 0.90 9.13 26 First Bank of Boaz Boaz 186,656 2,884 28 103 2,938 2,803 1.53 9.04 27 FNB Bank Scottsboro 362,522 3,836 98 39 2,729 2,545 1.06 9.01 28 First Jackson Bank Stevenson 224,210 1,783 43 41 1,878 1,604 0.81 8.69 29 River Bank & Trust Prattville 446,707 3,500 80 44 2,983 2,643 0.81 8.68 30 Robertson Banking Company Demopolis 256,996 3,659 75 49 3,655 3,489 0.92 8.68 31 First National Bank of Talladega Talladega 408,836 4,542 45 101 2,725 2,869 1.16 8.49 32 Peoples Bank of Red Level Red Level 15,933 158 6 26 191 109 1.02 8.41 33 Sweet Water State Bank Sweet Water 96,345 1,152 33 35 1,074 1,357 0.80 8.29 34 Citizens Bank of Winfield Winfield 206,169 3,630 28 130 3,729 3,185 1.78 8.21 35 Pinnacle Bank Jasper 218,899 2,102 57 37 2,010 2,026 0.94 8.16 36 Regions Bank Birmingham 118,801,412 1,307,339 23,052 57 1,298,770 1,337,083 1.11 8.10 37 Exchange Bank of Altoona 249,353 2,353 72 33 2,648 1,437 0.94 8.09 37 Bank Independent Sheffield 1,175,539 11,149 508 22 10,836 12,405 1.00 8.09 39 Brantley Bank and Trust Company Brantley 67,036 795 23 35 875 710 1.20 8.00 40 Town-Country National Bank Camden 100,268 1,797 33 54 1,594 1,591 1.16 8.00 41 Bryant Bank Tuscaloosa 1,315,986 13,858 203 68 9,401 8,457 0.72 7.98 42 Traders & Farmers Bank Haleyville 362,614 3,561 108 33 2,080 3,130 0.99 7.88 43 Marion Bank and Trust Company Marion 248,956 3,332 37 90 3,077 3,086 0.86 7.87 44 First Southern Bank Florence 233,226 1,437 62 23 1,544 1,430 0.70 7.83 45 Farmers and Merchants Bank LaFayette 133,927 1,377 34 41 1,296 1,449 1.06 7.77 46 Peoples Independent Bank Boaz 186,582 2,312 56 41 1,972 2,199 0.81 7.67 47 Capstone Bank Tuscaloosa 431,282 3,641 98 37 3,635 2,596 0.87 7.51 48 Liberty Bank Geraldine 107,287 1,099 49 22 1,020 1,092 1.03 7.49 49 First Bank of Linden Linden 81,511 819 15 55 803 881 1.01 7.45 50 Premier Bank of the South Cullman 150,113 1,554 58 27 1,429 1,199 0.69 7.39 ROAA ROAE 13 of 14
Overall Ranking Rank Company Name City Net Interest Margin Rank Noninterest Income Rank Total Overhead Rank Asset Quality Rank 1 Cheaha Bank Oxford 186,810 14 93 31 8 3 29.8 2 First Metro Bank Muscle Shoals 525,155 59 62 11 12 7 30.2 3 First Community Bank of Central Wetumpka 335,236 41 41 25 44 5 31.2 4 HomeTown Bank of Oneonta 308,818 25 11 61 67 6 34.0 5 Traditions Bank Cullman 283,173 3 8 121 43 10 37.0 6 Robertson Banking Company Demopolis 256,996 65 36 52 9 30 38.4 7 ServisFirst Bank Birmingham 4,098,628 72 113 1 6 4 39.2 8 First Partners Bank Birmingham 206,545 12 17 96 52 23 40.0 9 Exchange Bank of Altoona 249,353 57 47 37 23 37 40.2 10 CCB Community Bank Andalusia 434,586 9 95 57 29 12 40.4 10 Oakworth Capital Bank Birmingham 334,179 79 30 40 1 52 40.4 12 First National Bank Hamilton 282,596 64 30 43 11 57 41.0 13 Keystone Bank Auburn 239,075 55 66 33 39 17 42.0 14 Citizens Bank & Trust Guntersville 357,341 24 42 65 56 25 42.4 15 West Bank & Trust Reform 564,027 100 29 24 41 22 43.2 16 First Citizens Bank Luverne 228,454 47 19 69 72 15 44.4 17 Premier Bank of the South Cullman 150,113 17 15 110 31 50 44.6 18 Town-Country National Bank Camden 100,268 19 62 56 49 40 45.2 19 Central State Bank Calera 197,114 23 46 83 25 53 46.0 19 FirstState Bank Lineville 210,972 52 85 36 48 9 46.0 21 AuburnBank Auburn 790,110 116 62 13 20 20 46.2 22 First Southern State Bank Stevenson 365,682 87 79 17 38 14 47.0 23 Metro Bank Pell City 661,429 18 81 30 93 16 47.6 24 FNB Bank Scottsboro 362,522 51 54 73 34 27 47.8 25 Bank of Evergreen Evergreen 57,530 21 72 58 78 11 48.0 25 River Bank & Trust Prattville 446,707 85 76 23 27 29 48.0 27 Peoples Exchange Bank of Monroe County Monroeville 62,657 11 9 123 22 76 48.2 28 Peoples Bank of Red Level Red Level 15,933 6 81 105 19 32 48.6 29 Bank Independent Sheffield 1,175,539 4 13 126 69 37 49.8 30 Brantley Bank and Trust Company Brantley 67,036 25 50 32 104 39 50.0 31 Regions Bank Birmingham 118,801,412 104 7 45 59 36 50.2 32 Small Town Bank Wedowee 217,867 42 101 18 70 24 51.0 32 First Bank of Linden Linden 81,511 61 95 46 4 49 51.0 34 Cadence Bank, N.A. Birmingham 7,925,958 31 25 87 21 92 51.2 35 Pinnacle Bank Jasper 218,899 100 60 38 26 35 51.8 36 SouthPoint Bank Birmingham 203,680 79 5 114 61 2 52.2 36 National Bank of Commerce Birmingham 907,983 62 66 55 16 62 52.2 38 Capstone Bank Tuscaloosa 431,282 37 73 54 51 47 52.4 39 First Bank of Boaz Boaz 186,656 107 118 3 10 26 52.8 40 EvaBank Cullman 330,728 1 70 93 105 1 54.0 41 First Southern Bank Florence 233,226 48 79 76 24 44 54.2 41 Friend Bank Slocomb 68,786 28 21 108 33 81 54.2 43 Sweet Water State Bank Sweet Water 96,345 2 50 116 73 33 54.8 44 Peoples Bank of Greensboro Greensboro 88,461 67 114 22 53 19 55.0 45 Bryant Bank Tuscaloosa 1,315,986 97 111 21 7 41 55.4 46 Southern Independent Bank Opp 200,334 112 104 10 42 13 56.2 46 NobleBank & Trust Anniston 177,535 77 39 81 28 56 56.2 48 Southern States Bank Anniston 304,681 8 90 99 32 54 56.6 49 Cullman Savings Bank (MHC) Cullman 231,750 38 106 34 46 68 58.4 49 Citizens Bank Greensboro 100,027 99 121 4 50 18 58.4 ROAE Rank Overall Rank 14 of 14