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Southland Bank

Dothan, AL · Cert 5599

FDIC

Q4 2005

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: Q4 2005, the quarter ended December 31, 2005, 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

Southland Bank

Dothan, AL · Cert 5599

FDIC

Q4 2005

$285.4MAssets
$157.0MLoans
$182.8MDeposits
$22.1MEquity
Loan mix
72%RE $46.6M27%C&I $17.4M1%Consumer $0.5MQ4 2004Q4 2005
Deposit mix
87%Interest-bearing $159.2M13%Noninterest $23.7MQ4 2004Q4 2005

NIM

4.44%Q4 ’034.49%Q4 ’045.52%Q4 ’05+8%+11%

Non-interest income vs. expense

1.99%Q4 ’031.87%Q4 ’042.02%Q4 ’05+23%+5%

Executive Summary

  • Earnings: ROA of 1.16%, up 23 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
  • Funding: loans stand at 85.90% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

1.16%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+32 bps YoY

Efficiency Ratio (YTD, annualized)

51.31%-169 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.94%1.12%1.21%1.22%1.16%+23 bps
Return on Equity10.66%13.44%13.64%13.48%13.28%+262 bps
Net Interest Margin3.02%3.03%3.63%3.86%3.34%+32 bps
Efficiency Ratio52.99%49.92%50.99%51.51%51.31%-169 bps
Non-Interest Burden1.36%1.19%1.51%1.65%1.42%+6 bps
Growth
Asset Growth (YoY)-0.58%4.70%4.96%8.70%14.18%+1,476 bps
Loan Growth (YoY)6.79%8.47%15.64%14.37%12.16%+537 bps
Deposit Growth (YoY)7.89%15.40%24.38%26.65%35.80%+2,791 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.17%-0.13%-0.01%-0.10%0.16%-2 bps
Allowance / Loans2.04%2.09%1.98%2.05%1.99%-5 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 Capital12.83%12.57%13.32%13.11%12.07%-77 bps
Equity / Assets8.42%8.29%10.12%9.61%7.74%-68 bps
Liquidity & Funding
Loans / Deposits104.00%100.83%100.49%99.58%85.90%-1,810 bps
Liquid Assets / Assets22.52%20.20%7.35%16.44%21.15%-138 bps
CRE / Total Capitaln/an/an/an/an/an/an/a