SAFE & SOUND® STAR RATINGS

Financial statement

ALLIANCE BANK
3001 SOUTHWEST WANAMAKER ROAD
TOPEKA, Kansas 66614

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 2694944




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$93,355$88,055$88,292
Loans Receivable, Net56,14154,21450,595
Mortgage-Backed Securities1,7831,8861,940
Investments13,01013,23212,487
Deposits83,14777,99978,841
Borrowings582678216
Equity9,3459,2209,076
Net Interest Income7372,7432,794
Fee Income25121127
Overhead6102,4262,310
Net Operating Income184506522
Net Income115344349
Ratio Analysis Profitability%%%
Return on Assets *0.420.390.42
Operating Return on Assets *0.610.580.62
Return on Equity *3.983.753.86
Net Interest Margin *3.383.363.48
Fee Income / Assets *0.130.140.15
Overhead / Assets *2.772.762.75
Efficiency Ratio75.8781.1477.21
Asset Quality%%%
Nonperforming Assets / Assets1.152.241.80
Nonperforming Assets / Equity & Loss Reserves10.6219.7315.90
Loss Reserves / Nonperforming Loans95.6780.0273.07
1-4 Fam Mtg + MBS / Assets20.7422.5123.31
Commercial Real Estate Loans / Assets18.4418.9515.28
Construction Loans / Assets4.204.144.38
Commercial & Industrial Loans / Assets12.6111.8114.41
Consumer Loans / Assets1.861.852.03
Capitalization%%%
Equity / Assets10.0110.4710.28
Tangible Capital / Tangible Assets10.0110.4710.28
Risk-based Capital Ratio17.6917.9518.95
Liquidity%%%
Loans / Deposits67.5269.5164.17
Non-Interest Bearing Deposits / Deposits21.3019.8922.47
Purchased Liabilities1.760.770.24

* Calculations are based on the latest four quarters of income and expense.
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