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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 September 30, 2015
Federal Reserve System Identifier 3177378




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$54,318$60,933$61,659
Loans Receivable, Net34,94944,50447,145
Mortgage-Backed Securities000
Investments146602807
Deposits46,56851,75753,917
Borrowings2,3483,1911,551
Equity5,1505,7665,989
Net Interest Income1,3062,1602,108
Fee Income487180
Overhead1,7422,2591,995
Net Operating Income-609-267252
Net Income-609-267252
Ratio Analysis Profitability%%%
Return on Assets *-1.53-0.440.42
Operating Return on Assets *-1.53-0.440.42
Return on Equity *-16.43-4.454.24
Net Interest Margin *3.463.803.82
Fee Income / Assets *0.110.120.13
Overhead / Assets *4.033.683.36
Efficiency Ratio124.25101.1287.54
Asset Quality%%%
Nonperforming Assets / Assets2.403.983.32
Nonperforming Assets / Equity & Loss Reserves22.7738.1531.21
Loss Reserves / Nonperforming Loans237.5546.17221.37
1-4 Fam Mtg + MBS / Assets41.1343.7740.51
Commercial Real Estate Loans / Assets14.9913.6014.78
Construction Loans / Assets1.266.948.92
Commercial & Industrial Loans / Assets3.605.237.30
Consumer Loans / Assets1.491.821.61
Capitalization%%%
Equity / Assets9.489.469.71
Tangible Capital / Tangible Assets9.489.469.71
Risk-based Capital Ratio17.8515.4815.02
Liquidity%%%
Loans / Deposits75.0585.9987.44
Non-Interest Bearing Deposits / Deposits7.315.535.48
Purchased Liabilities6.197.664.61

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