Safe & Sound » Bank Ratings » ALLIANCE BANKING COMPANY


SAFE & SOUND® STAR RATINGS

ALLIANCE BANKING COMPANY

695 BULLION BOULEVARD
WINCHESTER, Kentucky 40391

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




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$50,137$60,933$61,659
Loans Receivable, Net34,62644,50447,145
Mortgage-Backed Securities000
Investments136602807
Deposits42,89551,75753,917
Borrowings2,0663,1911,551
Equity4,9915,7665,989
Net Interest Income1,6922,1602,108
Fee Income657180
Overhead2,3012,2591,995
Net Operating Income-758-267252
Net Income-758-267252
Ratio Analysis Profitability%%%
Return on Assets *-1.35-0.440.42
Operating Return on Assets *-1.35-0.440.42
Return on Equity *-14.45-4.454.24
Net Interest Margin *3.363.803.82
Fee Income / Assets *0.120.120.13
Overhead / Assets *4.103.683.36
Efficiency Ratio126.99101.1287.54
Asset Quality%%%
Nonperforming Assets / Assets1.993.983.32
Nonperforming Assets / Equity & Loss Reserves17.8238.1531.21
Loss Reserves / Nonperforming Loans252.7046.17221.37
1-4 Fam Mtg + MBS / Assets43.1443.7740.51
Commercial Real Estate Loans / Assets16.6713.6014.78
Construction Loans / Assets1.796.948.92
Commercial & Industrial Loans / Assets4.005.237.30
Consumer Loans / Assets1.521.821.61
Capitalization%%%
Equity / Assets9.959.469.71
Tangible Capital / Tangible Assets9.959.469.71
Risk-based Capital Ratio17.5715.4815.02
Liquidity%%%
Loans / Deposits80.7285.9987.44
Non-Interest Bearing Deposits / Deposits6.975.535.48
Purchased Liabilities6.247.664.61

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

Connect with us