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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

3.99%Q4 ’103.63%Q4 ’113.24%Q4 ’12-6%-4%

Non-interest income vs. expense

3.02%Q4 ’102.92%Q4 ’113.60%Q4 ’12-9%+38%

Executive Summary

  • Earnings: ROA of 0.39%, down 46 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 84.77% of deposits as of Q4 2012.

Financial Results

Return on Assets (quarter, annualized)

0.39%-46 bps YoY

Net Interest Margin (quarter, annualized)

2.75%-11 bps YoY

Efficiency Ratio (quarter, annualized)

84.46%+1,660 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.85%0.80%0.88%0.69%0.39%-46 bps
Return on Equity7.53%7.01%7.64%6.00%3.35%-418 bps
Net Interest Margin2.86%2.84%2.88%2.85%2.75%-11 bps
Efficiency Ratio67.86%73.58%73.37%78.09%84.46%+1,660 bps
Non-Interest Burden1.56%1.81%1.83%2.01%2.15%+59 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 / Loans0.61%0.65%0.07%0.18%-0.04%-64 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