BankTrust

BankTrust is headquartered in Mobile and is the 5^th largest bank in the state of Alabama. It is also the 365^th largest bank in the nation. It was established in 1986 and as of December of 2012, it had grown to 482 employees at 50 locations. BankTrust has a 2-star health rating.

BankTrust Routing Number: 065103654

Data for Q4 2012

Institution Statistics BankTrust FDIC Certificate # 26607 BankRate Report View Year Established 1986 Employees 482 Primary Regulator FDIC Assets and Liabilities Assets $1.93 billion Loans $1.09 billion Deposits $1.75 billion Equity Capital $160.11 million Loan Loss Allowance $61.03 million Unbacked Noncurrent Loans $158.99 million Real Estate Owned $56.31 million Historic Data - December 2011 Assets $2.04 billion Equity Capital $179.79 million Loan Loss Allowance $42.16 million Unbacked Noncurrent Loans $96.84 million Real Estate Owned $57.39 million Profit Margin - Quarterly Net Interest Margin 3.29% Return on Assets -0.83% Return on Equity -9.71% Interest Income $68.10 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 BankTrust had $215.3 million in non-current loans and owned real-estate with $221.14 million in equity and loan loss allowances on hand to cover it. This gives BankTrust a Texas Ratio of 97.36% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BankTrust increased slightly from 69.49% as of December 31, 2011 to 97.36% as of December 31, 2012, resulting in a negative change of 40.11%. This indicates that the balance sheet and financial strength for BankTrust has declined slightly in recent periods. Deposit Growth In the past year, BankTrust has decreased its total deposits by -$65.11 million, resulting in -3.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth BankTrust has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. BankTrust has $1.93 billion in assets with $221.14 million in equity, resulting in a capitalization level of 11.46%, which is above average.

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