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Overview / Commentary
602-952-5400
1 E Wasington St Suite 1400
Phoenix, AZ 85004

Western Alliance Bank is headquartered in Phoenix and is the largest bank in the state of Arizona. It is also the 112st largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 1,105 employees at 42 locations. Western Alliance Bank has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A

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 Western Alliance Bank had $86.47 million in non-current loans and owned real-estate with $970.16 million in equity and loan loss allowances on hand to cover it. This gives Western Alliance Bank a Texas Ratio of 8.91% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Western Alliance Bank decreased dramatically from 14.13% as of March 31, 2013 to 8.91% as of March 31, 2014, resulting in a positive change of 36.94%.This indicates that the balance sheet and financial strength for Western Alliance Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Western Alliance Bank has increased its total deposits by $5.71 billion, resulting in 234.01% 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 Western Alliance Bank has shown is excellent.

Capitalization

GRADE:
B+

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. Western Alliance Bank has $9.5 billion in assets with $970.16 million in equity, resulting in a capitalization level of 10.21%, which is above average.

Institution Statistics

Overall
FDIC Certificate #57512
Year Established2003
Employees1105
Primary RegulatorFDIC
Assets and Liabilities
Assets$9.50 billion
Loans$6.95 billion
Deposits$8.15 billion
Equity Capital$866.88 million
Loan Loss Allowance$103.28 million
Unbacked Noncurrent Loans$52.36 million
Real Estate Owned$34.11 million
Historic Data - March 2013
Assets$2.74 billion
Equity Capital$228.76 million
Loan Loss Allowance$22.38 million
Unbacked Noncurrent Loans$52.36 million
Real Estate Owned$12.59 million
Profit Margin - Quarterly
Net Interest Margin4.27%
Return on Assets1.42%
Return on Equity15.51%
Interest Income$97.38 million
Rates

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Locations

Western Alliance Bank has 17 locations. Click to view all Western Alliance Bank locations.