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SAFE & SOUND® STAR RATINGS

Financial statement

ALAMERICA BANK
2170 HIGHLAND AVENUE SOUTH
BIRMINGHAM, Alabama 35205

STAR RATING: 1 star
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 2877484




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$36,647$33,514$37,469
Loans Receivable, Net23,50716,88218,489
Mortgage-Backed Securities4,7266,0178,002
Investments000
Deposits25,13820,12121,723
Borrowings3,5005,0007,000
Equity7,8998,2618,575
Net Interest Income1,014993887
Fee Income170167170
Overhead1,4831,3561,466
Net Operating Income-316-488-1,893
Net Income-298-365-1,889
Ratio Analysis Profitability%%%
Return on Assets *-0.86-1.06-3.84
Operating Return on Assets *-0.91-1.42-3.85
Return on Equity *-3.72-4.38-20.56
Net Interest Margin *3.723.903.13
Fee Income / Assets *0.490.490.35
Overhead / Assets *4.293.972.98
Efficiency Ratio119.02120.32134.62
Asset Quality%%%
Nonperforming Assets / Assets20.3220.9917.26
Nonperforming Assets / Equity & Loss Reserves90.7381.0273.37
Loss Reserves / Nonperforming Loans8.242.511.31
1-4 Fam Mtg + MBS / Assets19.3727.1129.62
Commercial Real Estate Loans / Assets18.9614.2612.63
Construction Loans / Assets22.3210.409.76
Commercial & Industrial Loans / Assets15.1416.0916.78
Consumer Loans / Assets0.990.981.12
Capitalization%%%
Equity / Assets21.5524.6522.89
Tangible Capital / Tangible Assets21.5524.6522.89
Risk-based Capital Ratio27.7136.6734.50
Liquidity%%%
Loans / Deposits93.5183.9085.11
Non-Interest Bearing Deposits / Deposits15.2210.698.36
Purchased Liabilities15.7631.9133.97

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.43%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
Don Taylorinvesting
When it comes to your investments, take time to understand that tricky lingo.
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Forget the flashy actively managed funds. For retirement, the Obamas use index funds.
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