ServisFirst Bank

ServisFirst Bank is headquartered in Birmingham and is the 4^th largest bank in the state of Alabama. It is also the 280^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 215 employees at 10 locations. ServisFirst Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics ServisFirst Bank FDIC Certificate # 57993 BankRate Report View Year Established 2005 Employees 215 Primary Regulator FDIC Assets and Liabilities Assets $2.53 billion Loans $1.91 billion Deposits $2.19 billion Equity Capital $232.84 million Loan Loss Allowance $23.66 million Unbacked Noncurrent Loans $14.86 million Real Estate Owned $11.64 million Historic Data - March 2011 Assets $1.86 billion Equity Capital $152.28 million Loan Loss Allowance $19.23 million Unbacked Noncurrent Loans $21.99 million Real Estate Owned $7.22 million Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 1.39% Return on Equity 15.2% Interest Income $25.56 million

Institution Health Overall Score: 5 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 March 31, 2012 ServisFirst Bank had $26.49 million in non-current loans and owned real-estate with $256.5 million in equity and loan loss allowances on hand to cover it. This gives ServisFirst Bank a Texas Ratio of 10.33% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for ServisFirst Bank decreased slightly from 16.72% as of March 31, 2011 to 10.33% as of March 31, 2012, resulting in a positive change of 38.25%.This indicates that the balance sheet and financial strength for ServisFirst Bank has improved slightly in recent periods. Deposit Growth In the past year, ServisFirst Bank has increased its total deposits by $499.59 million, resulting in 29.52% 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 ServisFirst Bank has shown is excellent. 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. ServisFirst Bank has $2.53 billion in assets with $256.5 million in equity, resulting in a capitalization level of 10.13%, which is above average.

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