Alliance Bank & Trust Company

Alliance Bank & Trust Company is headquartered in Gastonia and is the 54^th largest bank in the state of North Carolina. It is also the 2,815^st largest bank in the nation. It was established in 2004 and as of December of 2011, it had grown to 36 employees at 6 locations. Alliance Bank & Trust Company's money market rates are 82% higher than the national average, but it has a 2-star health rating.

Alliance Bank & Trust Company Savings Account Rates

Alliance Bank & Trust Company Money Market Rates

Data for Q4 2011

Institution Statistics Alliance Bank & Trust Company FDIC Certificate # 57733 BankRate Report View Year Established 2004 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $225.40 million Loans $160.13 million Deposits $186.83 million Equity Capital $19.18 million Loan Loss Allowance $2.91 million Unbacked Noncurrent Loans $12.21 million Real Estate Owned $5.61 million Historic Data - December 2010 Assets $184.92 million Equity Capital $21.34 million Loan Loss Allowance $5.23 million Unbacked Noncurrent Loans $12.13 million Real Estate Owned $6.40 million Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets -1.12% Return on Equity -11.67% Interest Income $8.24 million

Institution Health Overall Score: 2 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 & Trust Company had $17.82 million in non-current loans and owned real-estate with $22.09 million in equity and loan loss allowances on hand to cover it. This gives Alliance Bank & Trust Company a Texas Ratio of 80.66% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alliance Bank & Trust Company increased slightly from 69.76% as of December 31, 2010 to 80.66% as of December 31, 2011, resulting in a negative change of 15.63%. This indicates that the balance sheet and financial strength for Alliance Bank & Trust Company has declined slightly in recent periods. Deposit Growth In the past year, Alliance Bank & Trust Company has increased its total deposits by $37.39 million, resulting in 25.02% 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 & Trust Company 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 & Trust Company has $225.4 million in assets with $22.09 million in equity, resulting in a capitalization level of 9.80%, which is average.

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