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Overview / Commentary
800-355-3063
4185 Harrison Boulevard, Suite 200
Ogden, UT 84403

Transportation Alliance Bank, Inc. is headquartered in Ogden and is the 27th largest bank in the state of Utah. It is also the 1,092nd largest bank in the nation. It was established in 1998 and as of March of 2014, it had grown to 214 employees at 1 location. Transportation Alliance Bank, Inc. has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Transportation Alliance Bank, Inc. had $13.88 million in non-current loans and owned real-estate with $82 million in equity and loan loss allowances on hand to cover it. This gives Transportation Alliance Bank, Inc. a Texas Ratio of 16.92% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Transportation Alliance Bank, Inc. decreased dramatically from 50.63% as of March 31, 2013 to 16.92% as of March 31, 2014, resulting in a positive change of 66.58%.This indicates that the balance sheet and financial strength for Transportation Alliance Bank, Inc. has improved dramatically in recent periods.

Deposit Growth

GRADE:
F

In the past year, Transportation Alliance Bank, Inc. has decreased its total deposits by -$88.77 million, resulting in -14.15% 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 poor.

Capitalization

GRADE:
A+

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 $622.04 million in assets with $82 million in equity, resulting in a capitalization level of 13.18%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #34781
Year Established1998
Employees214
Primary RegulatorFDIC
Assets and Liabilities
Assets$622.04 million
Loans$485.89 million
Deposits$538.43 million
Equity Capital$73.58 million
Loan Loss Allowance$8.42 million
Unbacked Noncurrent Loans$11.24 million
Real Estate Owned$2.64 million
Historic Data - March 2013
Assets$703.10 million
Equity Capital$69.64 million
Loan Loss Allowance$8.90 million
Unbacked Noncurrent Loans$11.24 million
Real Estate Owned$403,000
Profit Margin - Quarterly
Net Interest Margin6.87%
Return on Assets1.13%
Return on Equity9.7%
Interest Income$10.67 million
Rates
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Transportation Alliance Bank, Inc. Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$100-IRA Savings Account
0.25%$25-Premium Savings Account
0.25%--Health Savings NOW Account
0.25%$100-Roth IRA Savings Account
0.25%$100-Coverdell Education Savings Account

Transportation Alliance Bank, Inc. Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%--Money Market Account

Transportation Alliance Bank, Inc. CD Rates

DetailsAPYMINMAXPRODUCT
1.51%$1k-60 Month CD
1.31%$1k-48 Month CD
1.14%$1k-36 Month CD
1.01%$1k-24 Month CD
0.65%$1k-12 Month CD
0.40%$1k-6 Month CD
0.20%$1k-3 Month CD

Transportation Alliance Bank, Inc. IRA Rates

DetailsAPYMINMAXPRODUCT
1.51%$1k-60 Month IRA CD
1.31%$1k-48 Month IRA CD
1.14%$1k-36 Month IRA CD
1.01%$1k-24 Month IRA CD
0.65%$1k-12 Month IRA CD
0.40%$1k-6 Month IRA CD
0.20%$1k-3 Month IRA CD
Locations


Transportation Alliance Bank, Inc. Locations
Transportation Alliance Bank, Inc.4185 Harrison Boulevard, Suite 200Ogden, UT 84403