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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

5.50%Q4 ’014.99%Q4 ’024.20%Q4 ’03+5%-8%

Non-interest income vs. expense

3.03%Q4 ’013.12%Q4 ’022.76%Q4 ’03-10%-8%

Executive Summary

  • Earnings: ROA of 0.74%, up 8 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 82.50% of deposits as of Q4 2003.

Financial Results

Return on Assets (quarter, annualized)

0.74%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.40%-30 bps YoY

Efficiency Ratio (quarter, annualized)

69.82%-68 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets0.66%0.66%0.65%0.68%0.74%+8 bps
Return on Equity5.03%5.09%5.27%5.73%6.10%+107 bps
Net Interest Margin3.69%3.72%3.57%3.45%3.40%-30 bps
Efficiency Ratio70.50%75.17%73.37%72.45%69.82%-68 bps
Non-Interest Burden2.39%2.59%2.45%2.29%2.20%-18 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 / Loans-0.01%0.02%0.00%0.31%-0.04%-4 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