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SAFE & SOUND® STAR RATINGS

ALLIANCE BANK

3001 SOUTHWEST WANAMAKER ROAD
TOPEKA, Kansas 66614

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 2694944




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$95,475$97,436$88,055
Loans Receivable, Net62,58459,85754,214
Mortgage-Backed Securities1,3401,5581,886
Investments11,10412,69213,232
Deposits83,51585,97077,999
Borrowings1,4381,556678
Equity10,0919,6549,220
Net Interest Income2,3863,0792,743
Fee Income93113121
Overhead1,9052,4902,426
Net Operating Income617795506
Net Income379525344
Ratio Analysis Profitability%%%
Return on Assets *0.540.570.39
Operating Return on Assets *0.820.860.58
Return on Equity *5.335.513.75
Net Interest Margin *3.363.493.36
Fee Income / Assets *0.120.120.14
Overhead / Assets *2.612.692.76
Efficiency Ratio73.5073.6081.14
Asset Quality%%%
Nonperforming Assets / Assets0.790.672.24
Nonperforming Assets / Equity & Loss Reserves6.886.1719.73
Loss Reserves / Nonperforming Loans145.08154.8880.02
1-4 Fam Mtg + MBS / Assets22.8421.1522.51
Commercial Real Estate Loans / Assets18.6917.9518.95
Construction Loans / Assets7.595.484.14
Commercial & Industrial Loans / Assets13.9912.7511.81
Consumer Loans / Assets2.822.141.85
Capitalization%%%
Equity / Assets10.579.9110.47
Tangible Capital / Tangible Assets10.579.9110.47
Risk-based Capital Ratio16.4817.2617.95
Liquidity%%%
Loans / Deposits74.9469.6369.51
Non-Interest Bearing Deposits / Deposits25.4227.0019.89
Purchased Liabilities1.951.820.77

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