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Alliance National Bank

Dalton, GA · Cert 35173

FDIC · 2 branches

Q2 2014

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: Q2 2014, the quarter ended June 30, 2014, 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 2026-10-11

Alliance National Bank

Dalton, GA · Cert 35173

FDIC · 2 branches

Q2 2014

$161.0MAssets
$94.4MLoans
$132.1MDeposits
$15.2MEquity
Loan mix
87%RE $64.8M11%C&I $8.3M2%Consumer $1.4MQ2 2013Q2 2014
Deposit mix
83%Interest-bearing $109.6M17%Noninterest $22.5MQ2 2013Q2 2014

NIM

3.97%Q2 ’123.61%Q2 ’134.08%Q2 ’14-8%+20%

Non-interest income vs. expense

3.10%Q2 ’122.95%Q2 ’133.43%Q2 ’14-2%+1%

Market Position · Dalton, GA · 2014 SOD (annual) · 5.0% share · #9 of 13 inst. · $0.1B of $2.4B

5.6% Whitfield
0.4% Forsyth

Executive Summary

  • Earnings: ROA of 0.56%, up 3 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 71.46% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

0.56%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+60 bps YoY

Efficiency Ratio (YTD, annualized)

84.06%-1,275 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.53%10.59%0.56%0.88%0.56%+3 bps
Return on Equity5.40%6.15%5.91%9.59%5.97%+57 bps
Net Interest Margin3.03%3.11%3.23%3.69%3.62%+60 bps
Efficiency Ratio96.80%87.57%85.61%70.91%84.06%-1,275 bps
Non-Interest Burden2.93%2.71%2.74%2.47%2.97%+4 bps
Growth
Asset Growth (YoY)-2.91%0.77%-2.78%-2.39%2.02%+493 bps
Loan Growth (YoY)4.20%10.65%10.12%11.15%11.75%+755 bps
Deposit Growth (YoY)-2.82%2.12%0.75%-1.99%2.10%+492 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.29%0.18%0.17%0.00%0.00%-29 bps
Allowance / Loans2.02%1.96%2.00%1.99%1.93%-9 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 Capital16.46%16.01%15.76%16.08%15.64%-82 bps
Equity / Assets9.31%9.00%8.96%9.50%9.46%+15 bps
Liquidity & Funding
Loans / Deposits65.29%68.52%70.39%70.85%71.46%+617 bps
Liquid Assets / Assets0.25%0.16%0.19%0.25%0.27%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a