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SAFE & SOUND® STAR RATINGS

ALLIANCE BANKING COMPANY

695 BULLION BOULEVARD
WINCHESTER, Kentucky 40391

STAR RATING: 2 starstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 3177378




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$57,970$60,933$61,659
Loans Receivable, Net41,64544,50447,145
Mortgage-Backed Securities000
Investments900602807
Deposits49,34251,75753,917
Borrowings2,9083,1911,551
Equity5,5175,7665,989
Net Interest Income4662,1602,108
Fee Income147180
Overhead5772,2591,995
Net Operating Income-246-267252
Net Income-246-267252
Ratio Analysis Profitability%%%
Return on Assets *-0.92-0.440.42
Operating Return on Assets *-0.92-0.440.42
Return on Equity *-9.63-4.454.24
Net Interest Margin *3.723.803.82
Fee Income / Assets *0.110.120.13
Overhead / Assets *3.793.683.36
Efficiency Ratio109.49101.1287.54
Asset Quality%%%
Nonperforming Assets / Assets2.903.983.32
Nonperforming Assets / Equity & Loss Reserves27.8938.1531.21
Loss Reserves / Nonperforming Loans92.4346.17221.37
1-4 Fam Mtg + MBS / Assets46.1443.7740.51
Commercial Real Estate Loans / Assets15.3413.6014.78
Construction Loans / Assets2.986.948.92
Commercial & Industrial Loans / Assets3.915.237.30
Consumer Loans / Assets1.581.821.61
Capitalization%%%
Equity / Assets9.529.469.71
Tangible Capital / Tangible Assets9.529.469.71
Risk-based Capital Ratio16.0215.4815.02
Liquidity%%%
Loans / Deposits84.4085.9987.44
Non-Interest Bearing Deposits / Deposits5.785.535.48
Purchased Liabilities7.197.664.61

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