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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, 2012
Federal Reserve System Identifier 3177378




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$59,554$60,148$59,224
Loans Receivable, Net45,72145,79844,749
Mortgage-Backed Securities000
Investments1,4182,4052,512
Deposits51,40752,36651,739
Borrowings2,0582,3692,581
Equity5,8805,2144,683
Net Interest Income2,1151,9641,588
Fee Income948561
Overhead2,0262,0652,200
Net Operating Income25015-566
Net Income25015-566
Ratio Analysis Profitability%%%
Return on Assets *0.420.02-0.93
Operating Return on Assets *0.420.02-0.93
Return on Equity *4.340.29-11.71
Net Interest Margin *3.863.702.90
Fee Income / Assets *0.160.150.10
Overhead / Assets *3.443.563.63
Efficiency Ratio87.6797.18127.98
Asset Quality%%%
Nonperforming Assets / Assets3.273.777.28
Nonperforming Assets / Equity & Loss Reserves30.3737.3176.15
Loss Reserves / Nonperforming Loans97.611.872.18
1-4 Fam Mtg + MBS / Assets40.6036.2331.86
Commercial Real Estate Loans / Assets21.0222.7327.42
Construction Loans / Assets3.453.541.29
Commercial & Industrial Loans / Assets8.469.068.60
Consumer Loans / Assets1.591.841.86
Capitalization%%%
Equity / Assets9.878.677.91
Tangible Capital / Tangible Assets9.878.677.91
Risk-based Capital Ratio14.9713.4912.73
Liquidity%%%
Loans / Deposits88.9487.4686.49
Non-Interest Bearing Deposits / Deposits4.324.193.87
Purchased Liabilities4.2927.5023.47

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.41%
1 yr CD
0.62% 0.62%
5 yr CD
1.23% 1.23%
1 yr jumbo CD
0.64% 0.65%
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