Alliance Bank (PA)

Alliance Bank (PA) is headquartered in Broomall and is the 79^th largest bank in the state of Pennsylvania. It is also the 1,428^th largest bank in the nation. It was established in 1924 and as of December of 2011, it had grown to 92 employees at 9 locations. Alliance Bank (PA) has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Greater Delaware Valley Savings Bank FDIC Certificate # 29882 BankRate Report View Year Established 1924 Employees 92 Primary Regulator FDIC Assets and Liabilities Assets $466.35 million Loans $285.30 million Deposits $376.05 million Equity Capital $60.65 million Loan Loss Allowance $4.00 million Unbacked Noncurrent Loans $13.88 million Real Estate Owned $2.59 million Historic Data - December 2010 Assets $454.48 million Equity Capital $47.54 million Loan Loss Allowance $5.09 million Unbacked Noncurrent Loans $16.01 million Real Estate Owned $2.68 million Profit Margin - Quarterly Net Interest Margin 3.39% Return on Assets 0.25% Return on Equity 1.95% Interest Income $18.68 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 (PA) had $16.46 million in non-current loans and owned real-estate with $64.65 million in equity and loan loss allowances on hand to cover it. This gives Alliance Bank (PA) a Texas Ratio of 25.47% which is 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 (PA) decreased slightly from 34.97% as of December 31, 2010 to 25.47% as of December 31, 2011, resulting in a positive change of 27.17%.This indicates that the balance sheet and financial strength for Alliance Bank (PA) has improved slightly in recent periods. Deposit Growth In the past year, Alliance Bank (PA) has decreased its total deposits by -$8.55 million, resulting in -2.22% 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 (PA) 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 (PA) has $466.35 million in assets with $64.65 million in equity, resulting in a capitalization level of 13.86%, which is excellent.

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