SAFE & SOUND® STAR RATINGS

Financial statement

ALLIANCE BANK
3001 SOUTHWEST WANAMAKER ROAD
TOPEKA, Kansas 66614

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 2694944




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$88,055$88,292$85,655
Loans Receivable, Net54,21450,59551,413
Mortgage-Backed Securities1,8861,9402,326
Investments13,23212,48712,935
Deposits77,99978,84176,226
Borrowings678216313
Equity9,2209,0768,929
Net Interest Income2,7432,7942,908
Fee Income121127132
Overhead2,4262,3102,330
Net Operating Income506522728
Net Income344349459
Ratio Analysis Profitability%%%
Return on Assets *0.390.420.55
Operating Return on Assets *0.580.620.87
Return on Equity *3.753.865.27
Net Interest Margin *3.363.483.82
Fee Income / Assets *0.140.150.16
Overhead / Assets *2.762.752.82
Efficiency Ratio81.1477.2173.32
Asset Quality%%%
Nonperforming Assets / Assets2.241.800.70
Nonperforming Assets / Equity & Loss Reserves19.7315.906.07
Loss Reserves / Nonperforming Loans80.0273.071.95
1-4 Fam Mtg + MBS / Assets22.5123.3123.41
Commercial Real Estate Loans / Assets18.9515.2816.21
Construction Loans / Assets4.144.385.65
Commercial & Industrial Loans / Assets11.8114.4115.76
Consumer Loans / Assets1.852.031.87
Capitalization%%%
Equity / Assets10.4710.2810.42
Tangible Capital / Tangible Assets10.4710.2810.42
Risk-based Capital Ratio17.9518.9518.01
Liquidity%%%
Loans / Deposits69.5164.1767.45
Non-Interest Bearing Deposits / Deposits19.8922.4718.62
Purchased Liabilities0.770.2416.77

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