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Commercial Bank Performance A Historical & Current Perspective Presented BY: Thomas A. Broughton III President &amp PowerPoint Presentation
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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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Presentation Transcript
slide1

Commercial Bank Performance

A Historical & Current Perspective

Presented BY:

Thomas A. Broughton III

President & CEO

table of contents
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
about servisfirst business model
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

perspective on national consolidations
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

national financial institution consolidation1
National Financial Institution Consolidation

Year End 1990

12,351

Year End 2000

8,317

national financial institution consolidation2
National Financial Institution Consolidation

Year End 1990

12,351

Year End 2000

8,317

Year End 2012

6,112

national financial institution consolidation3
National Financial Institution Consolidation

Year End 1990

12,351

Year End 2000

8,317

Year End 2012

6,112

Projected 2020

3,500

perspective on branch banking expansion
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

perspective on failed institutions
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

financial institution failures 2007 2013
Financial Institution Failures (2007-2013)

2007 3 failures

$2.6 Billion in TA

financial institution failures 2007 20131
Financial Institution Failures (2007-2013)

2007 3 failures

$2.61 Billion in TA

2008 30 failures

$1.67 Trillion in TA

financial institution failures 2007 20132
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

financial institution failures 2007 20133
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

financial institution failures 2007 20134
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

financial institution failures 2007 20135
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

financial institution failures 2007 20136
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

financial institution failures 2007 20137
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

perspective on alabama performance
Perspective on Alabama Performance

A look at Alabama State Profile provided by the FDIC for Third Quarter 2013.

Data sourced from www.fdic.gov

perspective on comparative current indicators
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