SAFE & SOUND® STAR RATINGS

Financial statement

ALLIANCE BANK
3001 SOUTHWEST WANAMAKER ROAD
TOPEKA, Kansas 66614

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 2694944




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$93,399$88,055$88,292
Loans Receivable, Net58,22654,21450,595
Mortgage-Backed Securities1,7251,8861,940
Investments12,96313,23212,487
Deposits80,30677,99978,841
Borrowings3,393678216
Equity9,4789,2209,076
Net Interest Income1,4952,7432,794
Fee Income52121127
Overhead1,2372,4262,310
Net Operating Income367506522
Net Income228344349
Ratio Analysis Profitability%%%
Return on Assets *0.410.390.42
Operating Return on Assets *0.610.580.62
Return on Equity *3.953.753.86
Net Interest Margin *3.433.363.48
Fee Income / Assets *0.130.140.15
Overhead / Assets *2.802.762.75
Efficiency Ratio74.8881.1477.21
Asset Quality%%%
Nonperforming Assets / Assets0.942.241.80
Nonperforming Assets / Equity & Loss Reserves8.5719.7315.90
Loss Reserves / Nonperforming Loans109.2480.0273.07
1-4 Fam Mtg + MBS / Assets21.7622.5123.31
Commercial Real Estate Loans / Assets19.4818.9515.28
Construction Loans / Assets5.694.144.38
Commercial & Industrial Loans / Assets11.1611.8114.41
Consumer Loans / Assets2.041.852.03
Capitalization%%%
Equity / Assets10.1510.4710.28
Tangible Capital / Tangible Assets10.1510.4710.28
Risk-based Capital Ratio17.8817.9518.95
Liquidity%%%
Loans / Deposits72.5169.5164.17
Non-Interest Bearing Deposits / Deposits21.8619.8922.47
Purchased Liabilities3.630.770.24

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