Alliance National Bank

Alliance National Bank is headquartered in Dalton and is the 116^st largest bank in the state of Georgia. It is also the 3,779^th largest bank in the nation. It was established in 1999 and as of December of 2011, it had grown to 30 employees at 1 location. Alliance National Bank has a 4-star health rating.

Alliance National Bank Routing Number: 061019771

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Data for Q4 2011

Institution Statistics Alliance National Bank FDIC Certificate # 35173 BankRate Report View Year Established 1999 Employees 30 Primary Regulator OCC Assets and Liabilities Assets $154.37 million Loans $82.69 million Deposits $120.33 million Equity Capital $14.94 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $1.24 million Real Estate Owned $797,000 Historic Data - December 2010 Assets $153.88 million Equity Capital $13.60 million Loan Loss Allowance $1.79 million Unbacked Noncurrent Loans $1.00 million Real Estate Owned $2.22 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 0.53% Return on Equity 5.58% Interest Income $6.98 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 National Bank had $2.03 million in non-current loans and owned real-estate with $17.14 million in equity and loan loss allowances on hand to cover it. This gives Alliance National Bank a Texas Ratio of 11.86% 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 National Bank decreased significantly from 20.93% as of December 31, 2010 to 11.86% as of December 31, 2011, resulting in a positive change of 43.34%.This indicates that the balance sheet and financial strength for Alliance National Bank has improved significantly in recent periods. Deposit Growth In the past year, Alliance National Bank has increased its total deposits by $3.07 million, resulting in 2.62% 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 National Bank has shown is above 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 National Bank has $154.37 million in assets with $17.14 million in equity, resulting in a capitalization level of 11.11%, which is above average.

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