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Allegiant Bank

Saint Louis, MO · Cert 1078

FDIC

Q2 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2004, the quarter ended June 30, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Allegiant Bank

Saint Louis, MO · Cert 1078

FDIC

Q2 2004

$2.8BAssets
$2.0BLoans
$1.7BDeposits
$526.4MEquity
Loan mix
66%RE $465.6M34%C&I $238.5M0%Consumer $0.9MQ2 2003Q2 2004
Deposit mix
89%Interest-bearing $1.5B11%Noninterest $0.2BQ2 2003Q2 2004

NIM

5.77%Q2 ’025.18%Q2 ’031.29%Q2 ’04-1%-70%

Non-interest income vs. expense

2.06%Q2 ’022.03%Q2 ’030.97%Q2 ’04+0%-52%

Executive Summary

  • Earnings: ROA of 0.21%, down 101 bps year over year; NIM at 1.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 116.12% of deposits as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

0.21%-101 bps YoY

Net Interest Margin (YTD, annualized)

1.00%-229 bps YoY

Efficiency Ratio (YTD, annualized)

69.63%+1,799 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets1.22%1.22%1.20%0.66%0.21%-101 bps
Return on Equity12.04%11.82%11.44%5.90%1.48%-1,056 bps
Net Interest Margin3.28%3.26%3.26%3.00%1.00%-229 bps
Efficiency Ratio51.63%50.80%50.65%52.88%69.63%+1,799 bps
Non-Interest Burden1.46%1.42%1.39%1.30%0.70%-76 bps
Growth
Asset Growth (YoY)18.77%16.45%7.07%7.02%15.47%-329 bps
Loan Growth (YoY)21.71%19.34%9.61%12.83%12.30%-942 bps
Deposit Growth (YoY)21.58%14.44%1.68%5.04%-3.75%-2,533 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.24%0.25%0.40%0.74%0.09%-15 bps
Allowance / Loans1.14%1.15%1.07%1.10%1.06%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.25%12.08%12.03%11.98%10.28%-197 bps
Equity / Assets11.00%10.91%11.19%11.29%19.13%+813 bps
Liquidity & Funding
Loans / Deposits99.52%103.72%108.05%105.23%116.12%+1,660 bps
Liquid Assets / Assets0.49%0.45%0.38%0.33%0.00%-49 bps
CRE / Total Capitaln/an/an/an/an/an/an/a