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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 March 31, 2016
Federal Reserve System Identifier 2694944




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$97,655$94,188$97,436
Loans Receivable, Net65,87665,52759,857
Mortgage-Backed Securities1,1961,2571,558
Investments11,02110,64712,692
Deposits84,00482,58185,970
Borrowings2,9771,0591,556
Equity10,23010,2099,654
Net Interest Income8373,2153,079
Fee Income29122113
Overhead6572,5302,490
Net Operating Income219854795
Net Income137540525
Ratio Analysis Profitability%%%
Return on Assets *0.570.560.57
Operating Return on Assets *0.890.880.86
Return on Equity *5.455.395.51
Net Interest Margin *3.613.453.49
Fee Income / Assets *0.120.130.12
Overhead / Assets *2.622.612.69
Efficiency Ratio73.3372.5173.60
Asset Quality%%%
Nonperforming Assets / Assets0.470.660.67
Nonperforming Assets / Equity & Loss Reserves4.085.596.17
Loss Reserves / Nonperforming Loans275.42183.62154.88
1-4 Fam Mtg + MBS / Assets22.0523.6921.15
Commercial Real Estate Loans / Assets19.7220.4117.95
Construction Loans / Assets8.858.125.48
Commercial & Industrial Loans / Assets14.3714.3712.75
Consumer Loans / Assets2.882.832.14
Capitalization%%%
Equity / Assets10.4810.849.91
Tangible Capital / Tangible Assets10.4810.849.91
Risk-based Capital Ratio16.1316.5217.26
Liquidity%%%
Loans / Deposits78.4279.3569.63
Non-Interest Bearing Deposits / Deposits26.0826.2127.00
Purchased Liabilities3.491.581.82

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