First Alliance Bank

First Alliance Bank is headquartered in Cordova and is the 141^st largest bank in the state of Tennessee. It is also the 4,281^st largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 36 employees at 4 locations. First Alliance Bank has a 3-star health rating.

First Alliance Bank Routing Number: 084008536

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Data for Q1 2012

Institution Statistics First Alliance Bank FDIC Certificate # 35245 BankRate Report View Year Established 1999 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $128.65 million Loans $86.26 million Deposits $105.16 million Equity Capital $12.33 million Loan Loss Allowance $2.28 million Unbacked Noncurrent Loans $1.23 million Real Estate Owned $5.11 million Historic Data - March 2011 Assets $129.16 million Equity Capital $12.00 million Loan Loss Allowance $3.47 million Unbacked Noncurrent Loans $3.63 million Real Estate Owned $4.75 million Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 0.05% Return on Equity 0.49% Interest Income $1.38 million

Institution Health Overall Score: 3 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 March 31, 2012 First Alliance Bank had $6.33 million in non-current loans and owned real-estate with $14.6 million in equity and loan loss allowances on hand to cover it. This gives First Alliance Bank a Texas Ratio of 43.36% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Alliance Bank decreased slightly from 54.17% as of March 31, 2011 to 43.36% as of March 31, 2012, resulting in a positive change of 19.96%.This indicates that the balance sheet and financial strength for First Alliance Bank has improved slightly in recent periods. Deposit Growth In the past year, First Alliance Bank has decreased its total deposits by $-731,000, resulting in -0.69% 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 First Alliance Bank has shown is 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. First Alliance Bank has $128.65 million in assets with $14.6 million in equity, resulting in a capitalization level of 11.35%, which is above average.

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