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Alliance Bank of Baton Rouge

Baton Rouge, LA · Cert 35140

FDIC

Q4 2003

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: Q4 2003, the quarter ended December 31, 2003, 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 2026-10-10

Alliance Bank of Baton Rouge

Baton Rouge, LA · Cert 35140

FDIC

Q4 2003

$76.1MAssets
$53.7MLoans
$65.1MDeposits
$9.3MEquity
Loan mix
58%RE $21.3M36%C&I $13.3M6%Consumer $2.0MQ4 2002Q4 2003
Deposit mix
78%Interest-bearing $50.6M22%Noninterest $14.6MQ4 2002Q4 2003

NIM

5.73%Q4 ’015.02%Q4 ’024.28%Q4 ’03+16%-7%

Non-interest income vs. expense

2.98%Q4 ’013.08%Q4 ’022.96%Q4 ’03-3%-12%

Executive Summary

  • Earnings: ROA of 0.69%, up 10 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 82.50% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.69%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.40%-26 bps YoY

Efficiency Ratio (YTD, annualized)

72.72%-150 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets0.59%0.66%0.65%0.66%0.69%+10 bps
Return on Equity4.55%5.09%5.18%5.37%5.55%+100 bps
Net Interest Margin3.66%3.72%3.57%3.37%3.40%-26 bps
Efficiency Ratio74.22%75.17%74.29%73.65%72.72%-150 bps
Non-Interest Burden2.59%2.59%2.47%2.30%2.29%-30 bps
Growth
Asset Growth (YoY)5.17%-0.14%19.07%14.02%12.64%+747 bps
Loan Growth (YoY)21.55%2.09%6.56%-2.51%-0.31%-2,186 bps
Deposit Growth (YoY)-2.03%2.45%32.37%17.69%19.50%+2,153 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.02%0.01%0.11%0.07%+6 bps
Allowance / Loans1.00%1.19%1.11%1.10%1.07%+8 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 Capital15.72%17.43%15.09%15.13%15.52%-21 bps
Equity / Assets12.94%13.05%11.67%11.99%12.16%-78 bps
Liquidity & Funding
Loans / Deposits98.90%80.45%75.58%78.64%82.50%-1,639 bps
Liquid Assets / Assets0.15%0.11%0.08%0.06%0.05%-9 bps
CRE / Total Capitaln/an/an/an/an/an/an/a