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SAFE & SOUND® STAR RATINGS

ALLIANCE BANKING COMPANY

695 BULLION BOULEVARD
WINCHESTER, Kentucky 40391

STAR RATING: 1 star
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 3177378




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$60,933$61,659$59,554
Loans Receivable, Net44,50447,14545,721
Mortgage-Backed Securities000
Investments6028071,418
Deposits51,75753,91751,407
Borrowings3,1911,5512,058
Equity5,7665,9895,880
Net Interest Income2,1602,1082,115
Fee Income718094
Overhead2,2591,9952,026
Net Operating Income-267252250
Net Income-267252250
Ratio Analysis Profitability%%%
Return on Assets *-0.440.420.42
Operating Return on Assets *-0.440.420.42
Return on Equity *-4.454.244.34
Net Interest Margin *3.803.823.86
Fee Income / Assets *0.120.130.16
Overhead / Assets *3.683.363.44
Efficiency Ratio101.1287.5487.67
Asset Quality%%%
Nonperforming Assets / Assets3.983.323.27
Nonperforming Assets / Equity & Loss Reserves38.1531.2130.37
Loss Reserves / Nonperforming Loans46.17221.3797.61
1-4 Fam Mtg + MBS / Assets43.7740.5140.60
Commercial Real Estate Loans / Assets13.6014.7821.02
Construction Loans / Assets6.948.923.45
Commercial & Industrial Loans / Assets5.237.308.46
Consumer Loans / Assets1.821.611.59
Capitalization%%%
Equity / Assets9.469.719.87
Tangible Capital / Tangible Assets9.469.719.87
Risk-based Capital Ratio15.4815.0214.97
Liquidity%%%
Loans / Deposits85.9987.4488.94
Non-Interest Bearing Deposits / Deposits5.535.484.32
Purchased Liabilities7.664.614.29

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