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Alliance Bank of Hot Springs

Hot Springs, AR · Cert 34473

FDIC

Q1 2014

$165.8MAssets
$77.5MLoans
$127.5MDeposits
$30.0MEquity
Loan mix
89%RE $61.8M8%C&I $5.9M3%Consumer $2.1MQ1 2013Q1 2014
Deposit mix
82%Interest-bearing $104.0M18%Noninterest $23.4MQ1 2013Q1 2014

NIM

2.91%Q1 ’122.64%Q1 ’132.67%Q1 ’14-5%+4%

Non-interest income vs. expense

2.46%Q1 ’122.48%Q1 ’132.06%Q1 ’14-22%+15%

Executive Summary

  • Earnings: ROA of 0.82%, down 7 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 60.83% of deposits as of Q1 2014.

Financial Results

Return on Assets (quarter, annualized)

0.82%-7 bps YoY

Net Interest Margin (quarter, annualized)

2.48%+9 bps YoY

Efficiency Ratio (quarter, annualized)

64.57%-36 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets0.89%0.71%0.46%0.75%0.82%-7 bps
Return on Equity5.16%4.06%2.61%4.25%4.58%-58 bps
Net Interest Margin2.40%2.42%2.43%2.52%2.48%+9 bps
Efficiency Ratio64.93%71.38%83.15%69.67%64.57%-36 bps
Non-Interest Burden1.18%1.54%1.97%1.54%1.35%+17 bps
Growth
Asset Growth (YoY)-5.74%-3.03%-5.71%-4.53%-3.11%+263 bps
Loan Growth (YoY)0.74%-1.35%4.20%8.45%10.31%+957 bps
Deposit Growth (YoY)-6.10%-2.18%-5.25%-2.10%-3.16%+294 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.01%0.06%0.02%0.02%-6 bps
Allowance / Loans1.63%1.63%1.56%1.48%1.50%-13 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 Capital20.93%21.02%20.57%19.89%19.84%-110 bps
Equity / Assets17.47%17.33%17.81%17.70%18.06%+59 bps
Liquidity & Funding
Loans / Deposits53.40%53.37%56.67%58.34%60.83%+743 bps
Liquid Assets / Assets31.06%33.10%29.33%27.71%26.20%-486 bps
CRE / Total Capitaln/an/an/an/an/an/an/a