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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 December 31, 2015
Federal Reserve System Identifier 2694944




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$94,188$97,436$88,055
Loans Receivable, Net65,52759,85754,214
Mortgage-Backed Securities1,2571,5581,886
Investments10,64712,69213,232
Deposits82,58185,97077,999
Borrowings1,0591,556678
Equity10,2099,6549,220
Net Interest Income3,2153,0792,743
Fee Income122113121
Overhead2,5302,4902,426
Net Operating Income854795506
Net Income540525344
Ratio Analysis Profitability%%%
Return on Assets *0.560.570.39
Operating Return on Assets *0.880.860.58
Return on Equity *5.395.513.75
Net Interest Margin *3.453.493.36
Fee Income / Assets *0.130.120.14
Overhead / Assets *2.612.692.76
Efficiency Ratio72.5173.6081.14
Asset Quality%%%
Nonperforming Assets / Assets0.660.672.24
Nonperforming Assets / Equity & Loss Reserves5.596.1719.73
Loss Reserves / Nonperforming Loans183.62154.8880.02
1-4 Fam Mtg + MBS / Assets23.6921.1522.51
Commercial Real Estate Loans / Assets20.4117.9518.95
Construction Loans / Assets8.125.484.14
Commercial & Industrial Loans / Assets14.3712.7511.81
Consumer Loans / Assets2.832.141.85
Capitalization%%%
Equity / Assets10.849.9110.47
Tangible Capital / Tangible Assets10.849.9110.47
Risk-based Capital Ratio16.5217.2617.95
Liquidity%%%
Loans / Deposits79.3569.6369.51
Non-Interest Bearing Deposits / Deposits26.2127.0019.89
Purchased Liabilities1.581.820.77

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