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Commercial Bank Performance A Historical & Current Perspective Presented BY:

Commercial Bank Performance A Historical & Current Perspective Presented BY: Thomas A. Broughton III President & CEO. Table of Contents. About ServisFirst Business Model Perspective on National Consolidations Perspective on Bank Branching Expansion Perspective on Failed Institutions

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Commercial Bank Performance A Historical & Current Perspective Presented BY:

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  1. Commercial Bank Performance A Historical & Current Perspective Presented BY: Thomas A. Broughton III President & CEO

  2. Table of Contents • About ServisFirst Business Model • Perspective on National Consolidations • Perspective on Bank Branching Expansion • Perspective on Failed Institutions • Perspective on Alabama Performance • Perspective on Comparative Current Indicators • Financial Statement Indicators • Credit Quality Indicators • Operating Performance Indicators

  3. About ServisFirst Business Model Urban Bank Organic Growth Model Shareholder Centered Simple Business Model Branch Light Decentralized Model Target Businesses and Professionals Loan Portfolio Diversity Public, Non-Listed Company

  4. ServisFirst | Total Assets ($000’s)

  5. ServisFirst | Earnings ($000’s)

  6. ServisFirst | Tangible Book Value (per common share)

  7. Perspective on National Consolidations A look at the decline in the number of FDIC-insured Financial Institutions in the U.S. from 1990 – 2012, with a projection toward 2020. Data sourced from www.fdic.gov

  8. National Financial Institution Consolidation Year End 1990 12,351

  9. National Financial Institution Consolidation Year End 1990 12,351 Year End 2000 8,317

  10. National Financial Institution Consolidation Year End 1990 12,351 Year End 2000 8,317 Year End 2012 6,112

  11. National Financial Institution Consolidation Year End 1990 12,351 Year End 2000 8,317 Year End 2012 6,112 Projected 2020 3,500

  12. Perspective on Branch Banking Expansion A look at the growth in the number of Banking Offices in the U.S. from 1985 – 2012. The changing dynamic of branch banking over the last three decades shows growth in Banking Offices while the number of Financial Institutions declines. Data sourced from www.fdic.gov

  13. Branch Banking Expansion (1985-2012)

  14. Perspective on Failed Institutions A look at the rate of Financial Institution failures from 2007 – 2013. Measures the severity of the impact geographically across the United States. 2013 data is current as of 10/30/2013. Data sourced from www.fdic.gov

  15. Financial Institution Failures (2007-2013) 2007 3 failures $2.6 Billion in TA

  16. Financial Institution Failures (2007-2013) 2007 3 failures $2.61 Billion in TA 2008 30 failures $1.67 Trillion in TA

  17. Financial Institution Failures (2007-2013) 2007 3 failures $2.61 Billion in TA 2008 30 failures $1.67 Trillion in TA 2009 148 failures $2.08 Trillion in TA

  18. Financial Institution Failures (2007-2013) 2007 3 failures $2.61 Billion in TA 2008 30 failures $1.67 Trillion in TA 2009 148 failures $2.08 Trillion in TA 2010 154 failures $73.15 Billion in TA

  19. Financial Institution Failures (2007-2013) 2007 3 failures $2.61 Billion in TA 2008 30 failures $1.67 Trillion in TA 2009 148 failures $2.08 Trillion in TA 2010 154 failures $73.15 Billion in TA 2011 92 failures $34.92 Billion in TA

  20. Financial Institution Failures (2007-2013) 2007 3 failures $2.61 Billion in TA 2008 30 failures $1.67 Trillion in TA 2009 148 failures $2.08 Trillion in TA 2010 154 failures $73.15 Billion in TA 2011 92 failures $34.92 Billion in TA 2012 51 failures $11.61 Billion in TA

  21. Financial Institution Failures (2007-2013) 2007 3 failures $2.61 Billion in TA 2008 30 failures $1.67 Trillion in TA 2009 148 failures $2.08 Trillion in TA 2010 154 failures $73.15 Billion in TA 2011 92 failures $34.92 Billion in TA 2012 51 failures $11.61 Billion in TA 2013* 23 failures $5.88 Billion in TA

  22. Financial Institution Failures (2007-2013) 2007 3 failures $2.61 Billion in TA 17 2008 30 failures $1.67 Trillion in TA 22 7 8 13 2009 148 failures $2.08 Trillion in TA 7 8 13 56 7 2010 154 failures $73.15 Billion in TA 9 41 16 9 8 9 2011 92 failures $34.92 Billion in TA 15 88 7 70 10 2012 51 failures $11.61 Billion in TA 2007 - 2013 501 bank failures $3.89 trillion in Total Assets 2013* 23 failures $5.88 Billion in TA

  23. Perspective on Alabama Performance A look at Alabama State Profile provided by the FDIC for Third Quarter 2013. Data sourced from www.fdic.gov

  24. Perspective on Comparative Current Indicators • A look at Key Performance Indicators and Ratios for commercial banks, given the following assumptions: • Performance Indicators are classified in three areas: • Financial Statement Indicators • Credit Quality Indicators • Operating Performance Indicators • Comparative Populations include: • Alabama • Regional (AL, FL, GA, MS, TN) • National • All Indicators are 3rd Quarter 2013 and represent the Median Data sourced from Thompson Reuters BankInsight

  25. FINANCIAL STATEMENT INDICATORS

  26. Financial Statement IndicatorsReturn on Average Assets

  27. Financial Statement IndicatorsReturn on Average Equity

  28. Financial Statement IndicatorsNet Interest Margin

  29. Financial Statement IndicatorsCost of Funds

  30. Financial Statement IndicatorsYield on Loans

  31. Financial Statement IndicatorsYield on Earning Assets

  32. Financial Statement IndicatorsYield on Securities

  33. Financial Statement IndicatorsNet Interest Income to Average Assets

  34. Financial Statement IndicatorsTotal NonInterest Income to Average Assets

  35. Financial Statement IndicatorsTotal Loans to Total Deposits

  36. Financial Statement IndicatorsBrokered Deposits to Total Deposits

  37. Financial Statement IndicatorsLeverage Ratio

  38. Financial Statement IndicatorsTier1 Risk-Based Capital Ratio

  39. CREDIT QUALITY INDICATORS

  40. Credit Quality IndicatorsNonPerforming Assets to Equity Capital and LLR

  41. Credit Quality IndicatorsNonPerforming Assets to Total Assets

  42. Credit Quality IndicatorsNet Charge Offs to Average Loans

  43. OPERATING PERFORMANCE INDICATORS

  44. Operating Performance IndicatorsTotal Assets to Average Employees

  45. Operating Performance IndicatorsTotal Loans to Average Employees

  46. Operating Performance IndicatorsEfficiency Ratio

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