Alliance Bank, National Association

Alliance Bank, National Association is headquartered in Syracuse and is the 38^th largest bank in the state of New York. It is also the 468^th largest bank in the nation. It was established in 1851 and as of December of 2011, it had grown to 328 employees at 28 locations. Alliance Bank, National Association's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

Alliance Bank, National Association Savings Account Rates

Alliance Bank, National Association Money Market Rates

Alliance Bank, National Association CD Rates

Data for Q4 2011

Institution Statistics Alliance Bank, National Association FDIC Certificate # 7237 BankRate Report View Year Established 1851 Employees 328 Primary Regulator OCC Assets and Liabilities Assets $1.40 billion Loans $863.17 million Deposits $1.09 billion Equity Capital $160.28 million Loan Loss Allowance $10.77 million Unbacked Noncurrent Loans $10.96 million Real Estate Owned $486,000 Historic Data - December 2010 Assets $1.45 billion Equity Capital $149.62 million Loan Loss Allowance $10.68 million Unbacked Noncurrent Loans $7.97 million Real Estate Owned $630,000 Profit Margin - Quarterly Net Interest Margin 3.37% Return on Assets 0.99% Return on Equity 9.22% Interest Income $55.74 million

Institution Health Overall Score: 5 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, National Association had $11.45 million in non-current loans and owned real-estate with $171.04 million in equity and loan loss allowances on hand to cover it. This gives Alliance Bank, National Association a Texas Ratio of 6.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alliance Bank, National Association held steady from 5.49% as of December 31, 2010 to 6.69% as of December 31, 2011, resulting in a negative change of 21.94%. This indicates that the balance sheet and financial strength for Alliance Bank, National Association has held steady in recent periods. Deposit Growth In the past year, Alliance Bank, National Association has decreased its total deposits by -$50.14 million, resulting in -4.4% 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, National Association has shown is below 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 Bank, National Association has $1.4 billion in assets with $171.04 million in equity, resulting in a capitalization level of 12.19%, which is excellent.

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