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Alabama Trust Bank, National Association

Sylacauga, AL · Cert 35224

FDIC

Q1 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2012, the quarter ended March 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Alabama Trust Bank, National Association

Sylacauga, AL · Cert 35224

FDIC

Q1 2012

$51.6MAssets
$35.3MLoans
$45.1MDeposits
$111KEquity
Loan mix
80%RE $26.7M16%C&I $5.4M3%Consumer $1.2MQ1 2011Q1 2012
Deposit mix
75%Interest-bearing $33.8M25%Noninterest $11.4MQ1 2011Q1 2012

NIM

5.39%Q1 ’104.99%Q1 ’114.94%Q1 ’12-5%+4%

Non-interest income vs. expense

3.76%Q1 ’105.31%Q1 ’114.52%Q1 ’12+45%-17%

Executive Summary

  • Earnings: ROA of -3.65%, down 167 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 8.80%.
  • Funding: loans stand at 78.29% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-3.65%-167 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+15 bps YoY

Efficiency Ratio (YTD, annualized)

103.25%-2,342 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-1.99%-1.43%-2.26%-4.48%-3.65%-167 bps
Return on Equity-41.74%-29.99%-49.16%-113.75%-595%-55,366 bps
Net Interest Margin3.70%3.76%3.73%3.77%3.85%+15 bps
Efficiency Ratio126.68%123.13%121.55%131.00%103.25%-2,342 bps
Non-Interest Burden4.82%4.77%4.67%5.14%3.99%-83 bps
Growth
Asset Growth (YoY)-7.43%-11.60%-10.15%-14.43%-20.39%-1,296 bps
Loan Growth (YoY)-16.48%-18.11%-17.29%-20.12%-25.16%-868 bps
Deposit Growth (YoY)-5.67%-10.22%-7.48%-12.36%-18.98%-1,331 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.24%2.17%3.56%4.81%8.80%+657 bps
Allowance / Loans3.47%3.17%2.96%4.94%4.64%+117 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital7.75%8.03%6.83%2.88%0.50%-725 bps
Equity / Assets4.51%4.81%4.00%0.99%0.22%-430 bps
Liquidity & Funding
Loans / Deposits84.76%86.84%83.24%82.22%78.29%-647 bps
Liquid Assets / Assets4.94%8.55%9.15%6.81%8.64%+370 bps
CRE / Total Capitaln/an/an/an/an/an/an/a