FDIC Certificate #: 34781 Status: Active Federal Reserve ID: 2736219 Date Established: October 01, 1998 WWW:http://www.tabbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 61554 Numeric code: 23 Regulator: FDIC 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: Yes State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: October 01, 1998 Last Structure Change Effective Date: January 31, 2011 Last Structure Change Process Date: January 31, 2011 Last Data Update: January 31, 2011 Data Source Date: April 05, 2012
Location
Address: 4185 Harrison Boulevard, Suite 200, Ogden, UT 84403 County: Weber Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Salt Lake City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Salt Lake City-Ogden, UT (#7160) Combined Statistical Area (CSA): Salt Lake City-Ogden-Clearfield, UT (#482) Core Based Statistical Area (CBSA): Ogden-Clearfield, UT (#36260) CBSA Metro Statistical Area: Ogden-Clearfield, UT (#36260)
Financial Summary
Total assets: $852.1 mil Equity capital: $82.1 mil Deposits held in domestic offices: $714.5 mil Return on assets (ROA): 1.47% ($12.5 mil) Quarterly return on assets: 1.48% ($12.6 mil) Return on Equity (ROE): 11.45% ($9.4 mil) Quarterly return on equity: 13.56% ($11.1 mil) Net income: $8.9 mil Quarterly Net income: $2.7 mil Pretax return on assets: 2.44% ($20,791.8 mil) Quarterly Pretax return on assets: 2.44% ($20,791.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
221Total employees (full-time equivalent)
$852,123Total assets
$60,955Cash and due from depository institutions
$39,405Interest-bearing balances
$78,739Securities
$7,370Federal funds sold & reverse repurchase agreements
$642,881Net loans & leases
$7,291Loan loss allowance
$0Trading account assets
$3,626Bank premises and fixed assets
$864Other real estate owned
$164Goodwill and other intangibles
$852,123Life insurance assets
$57,524All other assets
$769,976Total liabilities and capital
$714,488Total liabilities
$713,468Total deposits
$714,488Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$20,662Trading liabilities
$0Other borrowed funds
$34,826Subordinated debt
$82,147All other liabilities
$82,147Total equity capital
$82,147Total bank equity capital
$0Perpetual preferred stock
$10Common stock
$30,936Surplus
$51,201Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$9,073Income earned, not collected on loans
$0Earning assets
$4,041Long-term assets (5+ years)
$768,395Average Assets, year-to-date
$142,395Average Assets, quarterly
$602,867Volatile liabilities
$742,927Insider loans
$709,258FHLB advances
$712,778Loans and leases held for sale
$15,027Unused loan commitments
$11,276Tier 1 (core) risk-based capital
$81,983Tier 2 risk-based capital
$0Total risk weighted assets
$3,751Total unused commitments
$13,309Restructured Loans and leases
$12,213Derivatives
$24,053Total assets and liabilities in foreign offices
Income and Expense (December 31, 2011)
Dollar figures in thousands
$46,851Total interest income
$6,474Total interest expense
$40,377Net interest income
$4,666Provision for loan and lease losses
$15,161Total noninterest income
$0Fiduciary activities
$1,917Service charges on deposit accounts
$0Trading account gains & fees
$13,244Additional noninterest income
$36,220Total noninterest expense
$14,525Salaries and employee benefits
$851Premises and equipment expense
$20,844Additional noninterest expense
$14,652Pre-tax net operating income
$41Securities gains (losses)
$5,811Applicable income taxes
$8,882Income before extraordinary items
$0Extraordinary gains - net
$8,882Net income attributable to bank
$0Net charge-offs
$8,882Cash dividends
$1,869Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.90%Yield on earning assets
1.23%Cost of funding earning assets
7.67%Net interest margin
2.88%Noninterest income to earning assets
6.88%Noninterest expense to earning assets
1.47%Net operating income to assets
1.47%Return on assets (ROA)
2.44%Pretax return on assets
11.45%Return on equity (ROE)
11.45%Retained earnings to average equity (YTD only)
0.40%Net charge-offs to loans
249.65%Credit loss provision to net charge-offs
10.34%Efficiency ratio
64,273Assets per employee
3.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
80.36%Noncurrent assets plus other real estate owned to assets
1.17%Noncurrent loans to loans
1.40%Net loans and leases to deposits
89.98%Net loans and leases to core deposits
120.54%Equity capital to assets
9.64%Core capital (leverage) ratio
11.50%Tier 1 risk-based capital ratio
11.56%Total risk-based capital ratio
Memoranda
$13Average assets
$602,867Average earning assets
$77,544Average equity
$526,291Average loans
List of branches
1 Utah Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
61554
Transportation Alliance Bank, Inc.
4185 Harrison Boulevard, Suite 200, Ogden, UT 84403
October 01, 1998
Full Service Brick and Mortar
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