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Alliance Bank, Performance and Condition Ratios
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4158% | 3,331 |
| Cost of funding earning assets | 3.4364% | 637 |
| Net interest margin | 2.9794% | 6,969 |
| Noninterest income to average assets | 0.2646% | 6,564 |
| Noninterest expense to average assets | 3.2160% | 3,278 |
| Loan and lease loss provision to assets | 5.9757% | 62 |
| Net operating income to assets | -5.9306% | 8,149 |
| Return on assets (ROA) | -5.9212% | 8,140 |
| Pretax return on assets | -6.1126% | 8,109 |
| Return on Equity (ROE) | -106.5272% | 8,281 |
| Retained earnings to average equity (ytd only) | -108.4828% | 8,279 |
| Net charge-offs to loans | 5.8765% | 62 |
| Credit loss provision to net charge-offs | 122.8775% | 4,370 |
| Earnings coverage of net charge-offs (x) | -0.0302% | 6,264 |
| Efficiency ratio | 104.5921% | 852 |
| Assets per employee ($millions) | 9.2013% | 327 |
| Cash dividends to net income (ytd only)* | -1.8358% | 7,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0806% | 408 |
| Loan loss allowance to noncurrent loans | 28.2785% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 10.3907% | 144 |
| Noncurrent loans to loans | 10.8939% | 174 |
| Net loans and leases to total assets | 77.9882% | 2,139 |
| Net loans and leases to deposits | 91.2927% | 3,245 |
| Net loans and leases to core deposits | 129.4498% | 1,892 |
| Total domestic deposits to total assets | 85.4266% | 2,654 |
| Equity capital to assets | 1.5444% | 8,288 |
| Core capital (leverage) ratio | 1.5040% | 8,293 |
| Tier 1 risk-based capital ratio | 1.8421% | 8,293 |
| Total risk-based capital ratio | 3.1134% | 8,293 |
| Memoranda: | ||
| Average total assets | $1,103,946,800 | 601 |
| Average earning assets | $1,039,235,600 | 583 |
| Average equity | $61,361,800 | 1,095 |
| Average total loans | $913,563,400 | 535 |