Transportation Alliance Bank, Inc.

Transportation Alliance Bank, Inc. is headquartered in Ogden and is the 18^st largest bank in the state of Utah. It is also the 744^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 224 employees at 1 location. Transportation Alliance Bank, Inc. has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Transportation Alliance Bank, Inc. FDIC Certificate # 34781 BankRate Report View Year Established 1998 Employees 224 Primary Regulator FDIC Assets and Liabilities Assets $892.57 million Loans $726.26 million Deposits $752.08 million Equity Capital $86.45 million Loan Loss Allowance $8.34 million Unbacked Noncurrent Loans $22.18 million Real Estate Owned $1.66 million Historic Data - March 2011 Assets $502.39 million Equity Capital $75.32 million Loan Loss Allowance $4.72 million Unbacked Noncurrent Loans $4.17 million Real Estate Owned $1.07 million Profit Margin - Quarterly Net Interest Margin 7.49% Return on Assets 1.87% Return on Equity 19.33% Interest Income $16.54 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 March 31, 2012 Transportation Alliance Bank, Inc. had $23.84 million in non-current loans and owned real-estate with $94.78 million in equity and loan loss allowances on hand to cover it. This gives Transportation Alliance Bank, Inc. a Texas Ratio of 25.15% 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 Transportation Alliance Bank, Inc. increased slightly from 6.55% as of March 31, 2011 to 25.15% as of March 31, 2012, resulting in a negative change of 284.11%. This indicates that the balance sheet and financial strength for Transportation Alliance Bank, Inc. has declined slightly in recent periods. Deposit Growth In the past year, Transportation Alliance Bank, Inc. has increased its total deposits by $357.55 million, resulting in 90.62% 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 Transportation Alliance Bank, Inc. 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. Transportation Alliance Bank, Inc. has $892.57 million in assets with $94.78 million in equity, resulting in a capitalization level of 10.62%, which is above average.

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