Alliance Bank of Arizona

Alliance Bank of Arizona is headquartered in Phoenix and is the 2^nd largest bank in the state of Arizona. It is also the 311^st largest bank in the nation. It was established in 2003 and as of December of 2011, it had grown to 225 employees at 17 locations. Alliance Bank of Arizona has a 4-star health rating.

Data for Q4 2011

Institution Statistics Western Alliance Bank FDIC Certificate # 57512 BankRate Report View Year Established 2003 Employees 225 Primary Regulator FDIC Assets and Liabilities Assets $2.23 billion Loans $1.62 billion Deposits $1.88 billion Equity Capital $192.74 million Loan Loss Allowance $21.64 million Unbacked Noncurrent Loans $15.11 million Real Estate Owned $7.77 million Historic Data - December 2010 Assets $1.93 billion Equity Capital $163.45 million Loan Loss Allowance $20.39 million Unbacked Noncurrent Loans $22.25 million Real Estate Owned $12.11 million Profit Margin - Quarterly Net Interest Margin 4.37% Return on Assets 0.97% Return on Equity 11.11% Interest Income $94.23 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 Bank of Arizona had $22.89 million in non-current loans and owned real-estate with $214.38 million in equity and loan loss allowances on hand to cover it. This gives Alliance Bank of Arizona a Texas Ratio of 10.68% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alliance Bank of Arizona decreased significantly from 17.98% as of December 31, 2010 to 10.68% as of December 31, 2011, resulting in a positive change of 40.64%.This indicates that the balance sheet and financial strength for Alliance Bank of Arizona has improved significantly in recent periods. Deposit Growth In the past year, Alliance Bank of Arizona has increased its total deposits by $206.38 million, resulting in 12.35% 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 of Arizona 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 of Arizona has $2.23 billion in assets with $214.38 million in equity, resulting in a capitalization level of 9.59%, which is average.

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