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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

4.74%Q3 ’104.46%Q3 ’113.50%Q3 ’12-1%-21%

Non-interest income vs. expense

3.16%Q3 ’103.30%Q3 ’112.82%Q3 ’12+67%-44%

Executive Summary

  • Earnings: ROA of 0.03%, up 33 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Funding: loans stand at 69.45% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

0.03%1+33 bps YoY

Net Interest Margin (quarter, annualized)

2.69%-73 bps YoY

Efficiency Ratio (quarter, annualized)

117.73%-17,580 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-0.30%-4.76%-0.20%-0.61%0.03%1+33 bps
Return on Equity-3.53%-60.27%-2.66%-8.30%0.44%+397 bps
Net Interest Margin3.41%2.75%2.91%2.90%2.69%-73 bps
Efficiency Ratio294%136.61%90.87%137.90%117.73%-17,580 bps
Non-Interest Burden5.59%3.73%2.61%3.76%3.11%-248 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 / Loans0.70%0.17%1.04%0.02%-0.05%-75 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