SAFE & SOUND® STAR RATINGS

Financial statement

ALLIANCE BANKING COMPANY
695 BULLION BOULEVARD
WINCHESTER, Kentucky 40391

STAR RATING: 3 starstarstar
Predictive Indicator - (decline)
As of March 31, 2014
Federal Reserve System Identifier 3177378




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$60,905$61,659$59,554
Loans Receivable, Net47,94447,14545,721
Mortgage-Backed Securities000
Investments8248071,418
Deposits53,23653,91751,407
Borrowings1,4241,5512,058
Equity6,0575,9895,880
Net Interest Income5352,1082,115
Fee Income158094
Overhead5201,9952,026
Net Operating Income51252250
Net Income51252250
Ratio Analysis Profitability%%%
Return on Assets *0.320.420.42
Operating Return on Assets *0.320.420.42
Return on Equity *3.164.244.34
Net Interest Margin *3.823.823.86
Fee Income / Assets *0.120.130.16
Overhead / Assets *3.403.363.44
Efficiency Ratio88.5987.5487.67
Asset Quality%%%
Nonperforming Assets / Assets3.333.323.27
Nonperforming Assets / Equity & Loss Reserves30.5331.2130.37
Loss Reserves / Nonperforming Loans221.67221.3797.61
1-4 Fam Mtg + MBS / Assets42.4740.5140.60
Commercial Real Estate Loans / Assets15.9814.7821.02
Construction Loans / Assets8.188.923.45
Commercial & Industrial Loans / Assets6.957.308.46
Consumer Loans / Assets1.811.611.59
Capitalization%%%
Equity / Assets9.949.719.87
Tangible Capital / Tangible Assets9.949.719.87
Risk-based Capital Ratio15.2715.0214.97
Liquidity%%%
Loans / Deposits90.0687.4488.94
Non-Interest Bearing Deposits / Deposits5.455.484.32
Purchased Liabilities5.234.614.29

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