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Aliant Bank

Alexander City, AL · Cert 2773

FDIC

Q3 2011

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: Q3 2011, the quarter ended September 30, 2011, 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

Aliant Bank

Alexander City, AL · Cert 2773

FDIC

Q3 2011

$928.6MAssets
$686.0MLoans
$743.0MDeposits
$100.1MEquity
Loan mix
83%RE $461.6M16%C&I $87.1M2%Consumer $9.7MQ3 2010Q3 2011
Deposit mix
76%Interest-bearing $567.2M24%Noninterest $175.8MQ3 2010Q3 2011

NIM

4.51%Q3 ’094.10%Q3 ’104.47%Q3 ’11+8%+21%

Non-interest income vs. expense

3.05%Q3 ’093.10%Q3 ’103.21%Q3 ’11+4%-2%

Executive Summary

  • Earnings: ROA of -0.22%, up 31 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.60%.
  • Funding: loans stand at 92.33% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.22%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+64 bps YoY

Efficiency Ratio (YTD, annualized)

74.69%-1,369 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-0.54%-0.67%-0.49%-0.72%-0.22%+31 bps
Return on Equity-5.17%-6.37%-4.66%-6.93%-2.14%+304 bps
Net Interest Margin3.02%3.26%3.46%3.53%3.66%+64 bps
Efficiency Ratio88.38%86.41%84.91%79.11%74.69%-1,369 bps
Non-Interest Burden2.62%2.73%2.89%2.68%2.57%-5 bps
Growth
Asset Growth (YoY)-5.28%-7.74%-5.83%-8.08%-2.32%+295 bps
Loan Growth (YoY)-11.06%-4.75%0.98%8.61%10.66%+2,172 bps
Deposit Growth (YoY)-8.00%-8.94%-9.06%-8.57%-1.90%+610 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.32%3.76%6.13%3.52%2.60%-172 bps
Allowance / Loans3.04%3.42%2.26%2.96%2.98%-6 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 Capital14.41%13.39%12.65%12.15%12.52%-189 bps
Equity / Assets11.02%10.89%10.13%10.24%10.78%-24 bps
Liquidity & Funding
Loans / Deposits81.85%89.59%89.18%89.74%92.33%+1,048 bps
Liquid Assets / Assets5.70%0.27%0.12%0.21%0.31%-539 bps
CRE / Total Capitaln/an/an/an/an/an/an/a