SAFE & SOUND® STAR RATINGS

Financial statement

ALLIANCE BANKING COMPANY
695 BULLION BOULEVARD
WINCHESTER, Kentucky 40391

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 3177378




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$62,243$61,659$59,554
Loans Receivable, Net49,34247,14545,721
Mortgage-Backed Securities000
Investments5938071,418
Deposits52,17253,91751,407
Borrowings3,7481,5512,058
Equity6,1065,9895,880
Net Interest Income1,0862,1082,115
Fee Income338094
Overhead1,0631,9952,026
Net Operating Income82252250
Net Income82252250
Ratio Analysis Profitability%%%
Return on Assets *0.300.420.42
Operating Return on Assets *0.300.420.42
Return on Equity *3.034.244.34
Net Interest Margin *3.823.823.86
Fee Income / Assets *0.120.130.16
Overhead / Assets *3.433.363.44
Efficiency Ratio90.3987.5487.67
Asset Quality%%%
Nonperforming Assets / Assets2.683.323.27
Nonperforming Assets / Equity & Loss Reserves24.9531.2130.37
Loss Reserves / Nonperforming Loans311.05221.3797.61
1-4 Fam Mtg + MBS / Assets43.9540.5140.60
Commercial Real Estate Loans / Assets15.6614.7821.02
Construction Loans / Assets8.218.923.45
Commercial & Industrial Loans / Assets6.167.308.46
Consumer Loans / Assets1.831.611.59
Capitalization%%%
Equity / Assets9.819.719.87
Tangible Capital / Tangible Assets9.819.719.87
Risk-based Capital Ratio14.7615.0214.97
Liquidity%%%
Loans / Deposits94.5887.4488.94
Non-Interest Bearing Deposits / Deposits5.545.484.32
Purchased Liabilities8.874.614.29

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