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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 $2.0MQ1 2002Q4 2003
Deposit mix
78%Interest-bearing $50.6M22%Noninterest $14.6MQ1 2002Q4 2003

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.

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
n/a

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%

Discrete quarter, annualized.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets0.48%0.55%0.66%0.66%0.66%0.65%0.68%0.74%+8 bps
Return on Equity3.82%4.28%5.03%5.03%5.09%5.27%5.73%6.10%+107 bps
Net Interest Margin3.74%3.89%4.02%3.69%3.72%3.57%3.45%3.40%-30 bps
Efficiency Ratio78.93%76.19%72.04%70.50%75.17%73.37%72.45%69.82%-68 bps
Non-Interest Burden2.88%2.86%2.76%2.39%2.59%2.45%2.29%2.20%-18 bps
Growth
Asset Growth (YoY)32.54%18.14%10.65%5.17%-0.14%19.07%14.02%12.64%+747 bps
Loan Growth (YoY)66.26%55.30%44.90%21.55%2.09%6.56%-2.51%-0.31%-2,186 bps
Deposit Growth (YoY)31.65%9.87%10.89%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.02%-0.01%0.02%0.00%0.31%-0.04%-4 bps
Allowance / Loans0.91%0.91%0.92%1.00%1.19%1.11%1.10%1.07%+8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital16.51%17.04%16.59%15.72%17.43%15.09%15.13%15.52%-21 bps
Equity / Assets12.39%13.22%13.12%12.94%13.05%11.67%11.99%12.16%-78 bps
Liquidity & Funding
Loans / Deposits80.73%93.88%94.93%98.90%80.45%75.58%78.64%82.50%-1,639 bps
Liquid Assets / Assets0.17%0.18%0.13%0.15%0.11%0.08%0.06%0.05%-9 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a