Alliance National Bank in Dalton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Alliance National Bank in Dalton, Georgia (GA)
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Alliance National Bank routing number info

Alliance National Bank - Overview

  • General
  • FDIC Certificate #: 35173
    Status: Active
    Federal Reserve ID: 2855071
    Bank Holding Company (Regulatory Top Holder): Alliance Bancshares, Inc. (RSSDID: 3187751, Location: Dalton, GA)
    Date Established: October 25, 1999
    WWW: http://www.alliancenationalbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 1, Interstate: No)
    FDIC's unique #: 75646
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 25, 1999
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 210 West Morris Street, Dalton, GA 30720
    County: Whitfield
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Dalton, GA (#19140)
    CBSA Metro Statistical Area: Dalton, GA (#19140)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $154.4 mil
    Equity capital: $14.9 mil
    Deposits held in domestic offices: $120.3 mil
    Return on assets (ROA): 0.53% ($0.8 mil)
    Quarterly return on assets: 0.55% ($0.8 mil)
    Return on Equity (ROE): 5.58% ($0.8 mil)
    Quarterly return on equity: 5.60% ($0.8 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.82% ($1,265.8 mil)
    Quarterly Pretax return on assets: 0.85% ($1,312.2 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 30Total employees (full-time equivalent)
  • $154,371Total assets
  • $14,461Cash and due from depository institutions
  • $6,387Interest-bearing balances
  • $45,674Securities
  • $401Federal funds sold & reverse repurchase agreements
  • $82,688Net loans & leases
  • $2,200Loan loss allowance
  • $0Trading account assets
  • $4,520Bank premises and fixed assets
  • $797Other real estate owned
  • $0Goodwill and other intangibles
  • $154,371Life insurance assets
  • $5,830All other assets
  • $139,428Total liabilities and capital
  • $120,334Total liabilities
  • $108,135Total deposits
  • $120,334Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 4558.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,000Trading liabilities
  • $0Other borrowed funds
  • $536Subordinated debt
  • $14,943All other liabilities
  • $14,943Total equity capital
  • $14,943Total bank equity capital
  • $0Perpetual preferred stock
  • $870Common stock
  • $10,614Surplus
  • $3,459Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,236Income earned, not collected on loans
  • $0Earning assets
  • $795Long-term assets (5+ years)
  • $135,150Average Assets, year-to-date
  • $47,255Average Assets, quarterly
  • $153,990Volatile liabilities
  • $154,863Insider loans
  • $103,487FHLB advances
  • $144,666Loans and leases held for sale
  • $2,579Unused loan commitments
  • $2,579Tier 1 (core) risk-based capital
  • $14,884Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,875Restructured Loans and leases
  • $3,791Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,975Total interest income
  • $1,340Total interest expense
  • $5,635Net interest income
  • $750Provision for loan and lease losses
  • $221Total noninterest income
  • $0Fiduciary activities
  • $261Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$40Additional noninterest income
  • $4,218Total noninterest expense
  • $2,517Salaries and employee benefits
  • $453Premises and equipment expense
  • $1,248Additional noninterest expense
  • $888Pre-tax net operating income
  • $372Securities gains (losses)
  • $444Applicable income taxes
  • $816Income before extraordinary items
  • $0Extraordinary gains - net
  • $816Net income attributable to bank
  • $0Net charge-offs
  • $816Cash dividends
  • $344Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 3.11%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 5.58%Return on equity (ROE)
  • 2.16%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 218.02%Credit loss provision to net charge-offs
  • 4.76%Efficiency ratio
  • 72,029Assets per employee
  • 5.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.27%Loss allowance to loans
  • 2.59%Loss allowance to noncurrent loans
  • 177.99%Noncurrent assets plus other real estate owned to assets
  • 1.32%Noncurrent loans to loans
  • 1.46%Net loans and leases to deposits
  • 68.72%Net loans and leases to core deposits
  • 85.29%Equity capital to assets
  • 9.68%Core capital (leverage) ratio
  • 10.29%Tier 1 risk-based capital ratio
  • 14.38%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $153,990Average earning assets
  • $14,633Average equity
  • $135,592Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    075646Alliance National Bank210 West Morris Street, Dalton, GA 30720October 25, 1999Full Service Brick and Mortar
    2528860Forsyth Branch100 Colony Park Drive, Cumming, GA 30040Febuary 06, 2012Full Service Brick and Mortar

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