Institution Statistics
| Alliance Bank Central Texas | | FDIC Certificate # | 15657 | | BankRate Report | View | | Year Established | 1939 | | Employees | 57 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $204.36 million | | Loans | $146.48 million | | Deposits | $183.30 million | | Equity Capital | $19.24 million | | Loan Loss Allowance | $1.38 million | | Unbacked Noncurrent Loans | $3.62 million | | Real Estate Owned | $87,000 |
Historic Data - December 2010 | | Assets | $187.05 million | | Equity Capital | $15.08 million | | Loan Loss Allowance | $1.46 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.37% | | Return on Assets | 0.64% | | Return on Equity | 7.23% | | Interest Income | $9.89 million |
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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 Bank Central Texas had $3.7 million in non-current loans and owned real-estate with $20.62 million in equity and loan loss allowances on hand to cover it. This gives Alliance Bank Central Texas a Texas Ratio of 17.96% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Alliance Bank Central Texas has increased its total deposits by $11.9 million, resulting in 6.94% 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 Bank Central Texas has shown is excellent. | | 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 Bank Central Texas has $204.36 million in assets with $20.62 million in equity, resulting in a capitalization level of 10.09%, which is above average. |
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