SAFE & SOUND® STAR RATINGS

Financial statement

ALLIANCE BANKING COMPANY
695 BULLION BOULEVARD
WINCHESTER, Kentucky 40391

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 3177378




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$61,659$59,554$60,148
Loans Receivable, Net47,14545,72145,798
Mortgage-Backed Securities000
Investments8071,4182,405
Deposits53,91751,40752,366
Borrowings1,5512,0582,369
Equity5,9895,8805,214
Net Interest Income2,1082,1151,964
Fee Income809485
Overhead1,9952,0262,065
Net Operating Income25225015
Net Income25225015
Ratio Analysis Profitability%%%
Return on Assets *0.420.420.02
Operating Return on Assets *0.420.420.02
Return on Equity *4.244.340.29
Net Interest Margin *3.823.863.70
Fee Income / Assets *0.130.160.15
Overhead / Assets *3.363.443.56
Efficiency Ratio87.5487.6797.18
Asset Quality%%%
Nonperforming Assets / Assets3.323.273.77
Nonperforming Assets / Equity & Loss Reserves31.2130.3737.31
Loss Reserves / Nonperforming Loans221.3797.611.87
1-4 Fam Mtg + MBS / Assets40.5140.6036.23
Commercial Real Estate Loans / Assets14.7821.0222.73
Construction Loans / Assets8.923.453.54
Commercial & Industrial Loans / Assets7.308.469.06
Consumer Loans / Assets1.611.591.84
Capitalization%%%
Equity / Assets9.719.878.67
Tangible Capital / Tangible Assets9.719.878.67
Risk-based Capital Ratio15.0214.9713.49
Liquidity%%%
Loans / Deposits87.4488.9487.46
Non-Interest Bearing Deposits / Deposits5.484.324.19
Purchased Liabilities4.614.2927.50

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