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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, 2014
Federal Reserve System Identifier 2694944




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$92,262$88,055$88,292
Loans Receivable, Net58,16354,21450,595
Mortgage-Backed Securities1,6231,8861,940
Investments13,33013,23212,487
Deposits80,09677,99978,841
Borrowings2,348678216
Equity9,6059,2209,076
Net Interest Income2,3002,7432,794
Fee Income85121127
Overhead1,8452,4262,310
Net Operating Income608506522
Net Income377344349
Ratio Analysis Profitability%%%
Return on Assets *0.480.390.42
Operating Return on Assets *0.750.580.62
Return on Equity *4.593.753.86
Net Interest Margin *3.573.363.48
Fee Income / Assets *0.130.140.15
Overhead / Assets *2.782.762.75
Efficiency Ratio72.7581.1477.21
Asset Quality%%%
Nonperforming Assets / Assets0.842.241.80
Nonperforming Assets / Equity & Loss Reserves7.4119.7315.90
Loss Reserves / Nonperforming Loans154.7280.0273.07
1-4 Fam Mtg + MBS / Assets21.7022.5123.31
Commercial Real Estate Loans / Assets19.6118.9515.28
Construction Loans / Assets5.144.144.38
Commercial & Industrial Loans / Assets11.9411.8114.41
Consumer Loans / Assets2.201.852.03
Capitalization%%%
Equity / Assets10.4110.4710.28
Tangible Capital / Tangible Assets10.4110.4710.28
Risk-based Capital Ratio17.5117.9518.95
Liquidity%%%
Loans / Deposits72.6269.5164.17
Non-Interest Bearing Deposits / Deposits23.8119.8922.47
Purchased Liabilities2.540.770.24

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