Red Mountain Bank, N.A.

Hoover, AL · Cert 57764

FDIC · 30 branches

Q1 2019

$4.3BAssets

$3.4BLoans

$3.5BDeposits

$683.0MEquity

Loan mix

Deposit mix

NIM

Market Position · Birmingham-Hoover, AL · 2018 SOD (annual) · 1.4% share · #10 of 50 inst. · $0.5B of $37.7B

1.6% Jefferson

4.8% Madison

0.5% Duval

0.3% Fulton

Earnings: ROA of -0.48%, down 178 bps year over year; NIM at 4.53%.
Asset quality: problem loans at 0.42% of loans (+28 bps YoY), with net charge-offs at 0.17%.

Return on Assets (YTD, annualized)

-0.48%-178 bps YoY

Net Interest Margin (YTD, annualized)

4.53%0 bps YoY

Efficiency Ratio (YTD, annualized)

109.32%+4,833 bps YoY

Tier 1 Leverage Ratio

10.50%-30 bps YoY

Year to date, annualized, through each quarter.

Metric	Q1 2018	Q2 2018	Q3 2018	Q4 2018	Q1 2019	YoY Δ	Trend
Earnings
Return on Assets	1.30%	1.37%	1.38%	1.32%	-0.48%	-178 bps
Return on Equity	8.70%	9.02%	8.79%	8.24%	-2.96%	-1,165 bps
Net Interest Margin	4.53%	4.51%	3.99%	3.91%	4.53%	0 bps
Efficiency Ratio	60.99%	58.26%	56.72%	57.97%	109.32%	+4,833 bps
Non-Interest Burden	2.46%	2.33%	1.99%	2.03%	4.80%	+233 bps
Growth
Asset Growth (YoY)	27.33%	32.93%	61.02%	53.81%	37.52%	+1,019 bps
Loan Growth (YoY)	36.39%	32.85%	56.68%	53.79%	34.93%	-145 bps
Deposit Growth (YoY)	22.31%	30.23%	56.64%	48.63%	36.60%	+1,428 bps
Asset Quality
Nonperforming Loans / Loans	0.14%	0.13%	0.15%	0.34%	0.42%	+28 bps
Net Charge-Offs / Loans	0.07%	0.09%	0.06%	0.05%	0.17%	+10 bps
Allowance / Loans	0.63%	0.63%	0.52%	0.55%	0.50%	-14 bps
Allowance Coverage of NPLs	4.5x	5.1x	3.5x	1.6x	1.2x	-3.3x
Capital
Tier 1 Leverage Ratio	10.80%	11.08%	11.84%	11.26%	10.50%	-30 bps
Total Risk-Based Capital	13.47%	13.88%	14.03%	14.13%	13.14%	-33 bps
Equity / Assets	15.85%	15.71%	16.88%	16.74%	15.97%	+12 bps
Liquidity & Funding
Loans / Deposits	97.10%	94.53%	96.94%	96.70%	95.92%	-118 bps
Liquid Assets / Assets	4.15%	5.89%	3.90%	4.48%	4.25%	+10 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a