Peer Analysis

Performance Ratios (%) Independent Alliance Banks, Inc. Peer Median Peer Average
ROAA 0.90 0.92 0.97
ROAE 7.88 8.57 9.34
Net Interest Margin 3.33 3.54 3.52
Efficiency Ratio 67.38 63.51 63.14
Loans / Deposits 87.13 86.41 89.20
Asset Quality Ratios (%)
NPAs / Assets 0.57 0.61 0.67
NCOs / Avg Loans 0.08 0.04 0.04
Reserves / Loans 1.41 1.04 0.95
Reserves / NPAs 171.56 116.97 125.38
Capital Ratios (%)
Tier 1 Capital 14.43 12.21 12.05
Tangible Equity / Tangible Assets 10.40 9.17 9.14
Total Equity / Total Assets 11.66 10.25 10.40
Market Ratios
Price / Earnings (x) NA 20.57 18.79
Price / Book (%) NA 166.61 166.15
Dividend Yield (%) NA 1.90 1.90
Data for trailing four quarters

Independent Alliance Banks, Inc.'s peer group consists of the following: F.S. Bancorp (FXLG), First Bancshares, Inc. (FBMS), Horizon Bancorp (HBNC), Lakeland Financial Corporation (LKFN), MutualFirst Financial, Inc. (MFSF), Old National Bancorp (ONB), STAR Financial Group, Inc. (SFIGA)

Independent Alliance Banks, Inc.'s financial data is as of 6/30/2017.

Peer financial data is as of 6/30/2017