Alliance Bank is proud to be celebrating our 70th anniversary as a community based financial institution with
$428 million in assets, nine branch offices and a loan center in Pennsylvania. The Bank is headquartered at
541 Lawrence Road in Broomall and regularly receives top ratings for financial strength. Branch offices are located
in Upper Darby, Secane, Newtown Square, Lansdowne, Havertown, Springfield, Concordville and Paoli. Alliance Bank is traded
on the NASDAQ Global Market and quoted under the symbol "ALLB".
Alliance Bank employees and officers are involved both professionally and personally in various community groups and
projects. The bank also participates in various loan programs and seeks opportunities to invest in the people,
organizations and small businesses in their communities.
How Safe Is Alliance Bank?
One of the most important measures of the strength and safety of any bank is its level of capital (equity). Each FDIC
insured institution is assigned to one of three capital groups which are based solely on the level of an institution’s capital.
They are “well capitalized”, “adequately capitalized” and “undercapitalized”. Alliance Bank is currently classified as
“well capitalized” and maintains a capital level well in excess of all minimum requirements.
The FDIC requires that banks meet a risk based capital standard expressed as a percent of risk weighted capital. Assets
are risk weighted from 0% to 100%. There are two risk weighted ratios known as Tier 1 and Tier 2 capital ratios.
The minimum required risk based capital ratios for banks are 4% for Tier 1 capital and 8% for Tier 2 capital.
Alliance Bank’s risk weighted capital ratios at March 31, 2008 (our most recent reporting date) are 15.94% for Tier 1
and 16.97% for Tier 2. We hold nearly four times the minimum requirement for Tier 1 capital and more than double the
minimum required for Tier 2 capital. These ratios are calculated every quarter and are available at the
Federal Financial Institutions Examination Council website by using
the bank name and location or the FDIC insurance certificate number. Our Certificate number is #29882.
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