PackageTrendsPeer
Letter portraitLegal landscape

Alostar Bank of Commerce

Birmingham, AL · Cert 59060

FDIC · 1 branch

Q2 2017

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: Q2 2017, the quarter ended June 30, 2017, 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

Alostar Bank of Commerce

Birmingham, AL · Cert 59060

FDIC · 1 branch

Q2 2017

$945.4MAssets
$783.4MLoans
$703.9MDeposits
$195.7MEquity
Loan mix
24%RE $75.6M76%C&I $241.8M0%Consumer $0.0MQ2 2016Q2 2017
Deposit mix
83%Interest-bearing $586.5M17%Noninterest $117.4MQ2 2016Q2 2017

NIM

4.42%Q2 ’153.96%Q2 ’164.40%Q2 ’17-13%+9%

Non-interest income vs. expense

3.58%Q2 ’152.56%Q2 ’162.63%Q2 ’17-32%-31%

Market Position · Birmingham-Hoover, AL · 2017 SOD (annual) · 1.9% share · #9 of 50 inst. · $0.7B of $37.9B

Executive Summary

  • Earnings: ROA of 1.48%, up 96 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 1.25% of loans (+125 bps YoY), with net recoveries of 0.33%.
  • Capital: tier 1 leverage ratio of 20.20%, up 244 bps from a year ago.
  • Funding: loans stand at 111.29% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

1.48%+96 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+30 bps YoY

Efficiency Ratio (YTD, annualized)

52.84%-1,045 bps YoY

Tier 1 Leverage Ratio

20.20%+244 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.52%0.69%0.80%1.99%1.48%+96 bps
Return on Equity2.73%3.68%4.22%9.93%7.29%+456 bps
Net Interest Margin3.31%3.17%3.27%3.38%3.61%+30 bps
Efficiency Ratio63.29%65.20%65.82%43.90%52.84%-1,045 bps
Non-Interest Burden1.84%1.86%1.96%0.27%1.27%-57 bps
Growth
Asset Growth (YoY)13.51%11.89%7.67%-3.63%-7.38%-2,089 bps
Loan Growth (YoY)36.46%9.82%0.75%2.86%1.39%-3,507 bps
Deposit Growth (YoY)22.72%20.61%14.63%-3.26%-10.38%-3,310 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%1.93%1.25%+125 bps
Net Charge-Offs / Loans0.61%0.39%0.47%-0.22%-0.33%-95 bps
Allowance / Loans1.65%1.62%1.32%1.31%1.38%-28 bps
Allowance Coverage of NPLsn/an/an/a0.7x1.1xn/a
Capital
Tier 1 Leverage Ratio17.76%17.15%18.05%19.52%20.20%+244 bps
Total Risk-Based Capital21.47%22.44%23.26%22.66%22.71%+124 bps
Equity / Assets18.08%18.18%19.62%20.47%20.70%+263 bps
Liquidity & Funding
Loans / Deposits98.37%93.42%96.76%106.69%111.29%+1,292 bps
Liquid Assets / Assets13.12%18.55%13.21%8.16%7.08%-603 bps
CRE / Total Capitaln/an/an/an/an/an/an/a