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Alliance Bank

New Ulm, MN · Cert 1932

FDIC

Q4 2006

$430.7MAssets
$364.6MLoans
$366.0MDeposits
$47.6MEquity
Loan mix
41%RE $83.2M58%C&I $116.8M0%Consumer $0.5MQ4 2005Q4 2006
Deposit mix
76%Interest-bearing $279.3M24%Noninterest $86.7MQ4 2005Q4 2006

NIM

5.65%Q4 ’047.06%Q4 ’058.01%Q4 ’06+14%0%

Non-interest income vs. expense

2.43%Q4 ’042.29%Q4 ’052.85%Q4 ’06-11%+42%

Executive Summary

  • Earnings: ROA of 2.52%, down 73 bps year over year; NIM at 5.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 99.60% of deposits as of Q4 2006.

Financial Results

Return on Assets (quarter, annualized)

2.52%-73 bps YoY

Net Interest Margin (quarter, annualized)

5.18%-1 bps YoY

Efficiency Ratio (quarter, annualized)

46.71%+737 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets3.25%2.94%2.91%2.93%2.52%-73 bps
Return on Equity30.59%26.06%25.35%25.86%22.45%-814 bps
Net Interest Margin5.20%5.26%5.41%5.44%5.18%-1 bps
Efficiency Ratio39.34%42.83%44.98%45.23%46.71%+737 bps
Non-Interest Burden1.67%1.99%2.17%2.22%2.38%+70 bps
Growth
Asset Growth (YoY)-0.28%-0.56%1.22%2.54%6.68%+696 bps
Loan Growth (YoY)-0.40%3.99%4.71%4.80%5.87%+627 bps
Deposit Growth (YoY)-1.36%-2.39%-3.83%2.73%3.73%+509 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.01%-0.02%0.01%0.09%+3 bps
Allowance / Loans1.57%1.64%1.68%1.71%1.79%+22 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 Capital12.48%12.96%12.31%12.49%12.52%+4 bps
Equity / Assets10.86%11.68%11.25%11.38%11.05%+19 bps
Liquidity & Funding
Loans / Deposits97.58%102.15%105.68%104.76%99.60%+202 bps
Liquid Assets / Assets0.49%0.49%0.60%0.44%0.42%-8 bps
CRE / Total Capitaln/an/an/an/an/an/an/a