Alliance Banking Company

Alliance Banking Company is headquartered in Winchester and is the 166^th largest bank in the state of Kentucky. It is also the 6,076^th largest bank in the nation. It was established in 2003 and as of December of 2011, it had grown to 14 employees at 1 location. Alliance Banking Company has a 4-star health rating.

Data for Q4 2011

Institution Statistics Alliance Banking Company FDIC Certificate # 57424 BankRate Report View Year Established 2003 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $60.15 million Loans $45.80 million Deposits $52.37 million Equity Capital $5.21 million Loan Loss Allowance $857,000 Unbacked Noncurrent Loans $46,000 Real Estate Owned $2.22 million Historic Data - December 2010 Assets $59.22 million Equity Capital $4.68 million Loan Loss Allowance $977,000 Unbacked Noncurrent Loans $1.24 million Real Estate Owned $3.07 million Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.03% Return on Equity 0.3% Interest Income $2.61 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Alliance Banking Company had $2.26 million in non-current loans and owned real-estate with $6.07 million in equity and loan loss allowances on hand to cover it. This gives Alliance Banking Company a Texas Ratio of 37.31% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alliance Banking Company decreased significantly from 76.15% as of December 31, 2010 to 37.31% as of December 31, 2011, resulting in a positive change of 51.01%.This indicates that the balance sheet and financial strength for Alliance Banking Company has improved significantly in recent periods. Deposit Growth In the past year, Alliance Banking Company has increased its total deposits by $627,000, resulting in 1.21% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Alliance Banking Company has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Alliance Banking Company has $60.15 million in assets with $6.07 million in equity, resulting in a capitalization level of 10.09%, which is above average.

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