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Alliance Bank, National Association

Oneida, NY · Cert 7237

FDIC

Q4 2012

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 2012, the quarter ended December 31, 2012, 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, National Association

Oneida, NY · Cert 7237

FDIC

Q4 2012

$1.4BAssets
$930.7MLoans
$1.1BDeposits
$165.0MEquity
Loan mix
62%RE $505.6M12%C&I $99.8M26%Consumer $211.6MQ4 2011Q4 2012
Deposit mix
79%Interest-bearing $864.4M21%Noninterest $233.5MQ4 2011Q4 2012

NIM

4.18%Q4 ’103.91%Q4 ’113.38%Q4 ’12-1%-9%

Non-interest income vs. expense

2.97%Q4 ’103.00%Q4 ’113.25%Q4 ’12-1%+13%

Executive Summary

  • Earnings: ROA of 0.69%, down 30 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Funding: loans stand at 84.77% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

0.69%-30 bps YoY

Net Interest Margin (YTD, annualized)

2.81%-28 bps YoY

Efficiency Ratio (YTD, annualized)

77.42%+1,020 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.99%0.80%0.84%0.79%0.69%-30 bps
Return on Equity9.22%7.01%7.33%6.88%5.99%-323 bps
Net Interest Margin3.08%2.84%2.85%2.85%2.81%-28 bps
Efficiency Ratio67.22%73.58%73.48%75.02%77.42%+1,020 bps
Non-Interest Burden1.72%1.81%1.82%1.88%1.94%+22 bps
Growth
Asset Growth (YoY)-3.15%-3.69%-3.54%1.08%0.03%+318 bps
Loan Growth (YoY)-3.05%-0.93%1.77%3.68%6.50%+955 bps
Deposit Growth (YoY)-4.40%-5.25%-0.29%1.70%0.86%+527 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%0.65%0.35%0.29%0.20%0 bps
Allowance / Loans1.23%1.07%0.99%0.94%0.92%-31 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 Capital15.05%15.21%14.89%14.94%14.76%-30 bps
Equity / Assets11.42%11.45%11.52%11.45%11.75%+33 bps
Liquidity & Funding
Loans / Deposits80.29%78.69%80.91%80.12%84.77%+449 bps
Liquid Assets / Assets1.92%4.90%3.15%4.30%0.28%-164 bps
CRE / Total Capitaln/an/an/an/an/an/an/a