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Alliance Bank Corporation

Fairfax, VA · Cert 34664

FDIC

Q3 2012

$521.0MAssets
$288.0MLoans
$414.6MDeposits
$37.3MEquity
Loan mix
88%RE $195.0M11%C&I $24.1M1%Consumer $1.4MQ3 2011Q3 2012
Deposit mix
65%Interest-bearing $268.9M35%Noninterest $145.7MQ3 2011Q3 2012

NIM

4.97%Q3 ’104.70%Q3 ’113.68%Q3 ’12+2%-22%

Non-interest income vs. expense

3.18%Q3 ’103.15%Q3 ’112.95%Q3 ’12+15%-20%

Executive Summary

  • Earnings: ROA of -0.26%, down 39 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.35%.
  • Funding: loans stand at 69.45% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.26%-39 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-79 bps YoY

Efficiency Ratio (YTD, annualized)

112.35%+158 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.13%1-1.07%-0.20%-0.41%-0.26%-39 bps
Return on Equity1.56%-13.24%-2.66%-5.47%-3.51%-506 bps
Net Interest Margin3.58%3.29%2.91%2.91%2.79%-79 bps
Efficiency Ratio110.77%117.09%90.87%109.99%112.35%+158 bps
Non-Interest Burden3.89%3.75%2.61%3.19%3.12%-77 bps
Growth
Asset Growth (YoY)-11.79%-5.91%-3.75%-5.20%-2.61%+917 bps
Loan Growth (YoY)-5.37%-7.65%-7.05%-8.72%-9.72%-435 bps
Deposit Growth (YoY)-13.72%-6.53%-6.35%-7.16%3.01%+1,672 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.55%0.47%1.04%0.54%0.35%-20 bps
Allowance / Loans1.62%1.76%1.71%1.72%1.69%+7 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 Capital13.76%13.72%13.62%13.31%13.92%+16 bps
Equity / Assets8.27%7.49%7.42%7.34%7.16%-110 bps
Liquidity & Funding
Loans / Deposits79.24%80.62%78.06%76.67%69.45%-979 bps
Liquid Assets / Assets13.55%8.72%14.29%15.50%23.80%+1,025 bps
CRE / Total Capitaln/an/an/an/an/an/an/a