# ALLIANCE BANK NATIONAL ASSN
SYRACUSE, NY · FDIC certificate 7237 · asset band $1-10B · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.40B | |
| Deposits | $1.10B | |
| Loans and leases | $930.7M | |
| Total equity | $165.0M | |
| Loans / deposits | 83.99% (p62 of band) | 77.28% |
| Liquid assets / assets | 26.36% (p44 of band) | |
| Uninsured deposits / deposits | 33.61% (p86 of band) | 18.10% |
| Brokered deposits | 0.72% | |
| Wholesale funding | 9.35% (p57 of band) | |
| FHLB advances / assets | 5.70% | |
| Tier 1 leverage | 8.91% (p35 of band) | 9.62% |
| Unrealized securities loss / equity | 6.29% (p71 of band) | 3.85% |
| AOCI / equity | -0.32% (p24 of band) | |
| ROA (annualized) | 0.69% (p34 of band) | 0.91% |
| Net interest margin | 3.14% (p23 of band) | 3.65% |
| Efficiency ratio | 77.42% (p79 of band) | |
| Noncurrent loans | 0.52% (p13 of band) | 1.60% |
| Net charge-offs (annualized) | 0.13% (p33 of band) | |
| Reserve coverage of noncurrent | 178.41% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 5.54% (p13 of band) | |
| Auto loans | $201.8M (21.68% of loans; DQ 0.52%, NCO 0.00%) | |
| Loans to nondepository financials | $11.1M (7% of equity) (p91 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 331 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | wholesale funding >15% |  |
| 2011-09 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | deposits shrinking | reserve under noncurrent |
| 2012-06 | 0 |  | deposits shrinking |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7237 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "7237", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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