SAFE & SOUND® STAR RATINGS

Financial statement

ALLIANCE BANKING COMPANY
695 BULLION BOULEVARD
WINCHESTER, Kentucky 40391

STAR RATING: 2 starstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 3177378




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$61,504$61,659$59,554
Loans Receivable, Net49,09147,14545,721
Mortgage-Backed Securities000
Investments6978071,418
Deposits51,68753,91751,407
Borrowings3,4691,5512,058
Equity6,0465,9895,880
Net Interest Income1,6342,1082,115
Fee Income548094
Overhead1,6511,9952,026
Net Operating Income18252250
Net Income18252250
Ratio Analysis Profitability%%%
Return on Assets *0.040.420.42
Operating Return on Assets *0.040.420.42
Return on Equity *0.374.244.34
Net Interest Margin *3.843.823.86
Fee Income / Assets *0.120.130.16
Overhead / Assets *3.563.363.44
Efficiency Ratio96.2787.5487.67
Asset Quality%%%
Nonperforming Assets / Assets2.843.323.27
Nonperforming Assets / Equity & Loss Reserves26.3031.2130.37
Loss Reserves / Nonperforming Loans104.29221.3797.61
1-4 Fam Mtg + MBS / Assets45.6240.5140.60
Commercial Real Estate Loans / Assets15.5714.7821.02
Construction Loans / Assets7.408.923.45
Commercial & Industrial Loans / Assets5.967.308.46
Consumer Loans / Assets1.851.611.59
Capitalization%%%
Equity / Assets9.839.719.87
Tangible Capital / Tangible Assets9.839.719.87
Risk-based Capital Ratio14.8715.0214.97
Liquidity%%%
Loans / Deposits94.9887.4488.94
Non-Interest Bearing Deposits / Deposits5.965.484.32
Purchased Liabilities7.714.614.29

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