Alliance Bank in Lake City, Minnesota (MN), WI
Overview, Financial Summary, Detailed Financial Reports, Branches

Alliance Bank - Overview

  • General
  • FDIC Certificate #: 10973
    Status: Active
    Federal Reserve ID: 166652
    Bank Holding Company (Regulatory Top Holder): Alliance Financial Services, Inc. (RSSDID: 1127146, Location: Saint Paul, MN)
    Date Established: January 01, 1867
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 15 (Domestic: 15, Interstate: Yes)
    OTS Docket #: 12291
    FDIC's unique #: 7027
    Numeric code: 21
    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: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 21, 2007
    Last Structure Change Process Date: March 09, 2007
    Last Data Update: March 09, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 105 East Lyon Avenue, Lake City, MN 55041
    County: Wabasha
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Minneapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Rochester, MN (#40340)
    CBSA Metro Statistical Area: Rochester, MN (#40340)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Change in FED-RSSD-ID
    Name Change
  • Financial Summary
  • Total assets: $594.8 mil
    Equity capital: $66.4 mil
    Deposits held in domestic offices: $509.0 mil
    Return on assets (ROA): 0.13% ($0.8 mil)
    Quarterly return on assets: -0.68% (-$4.0 mil)
    Return on Equity (ROE): 1.22% ($0.8 mil)
    Quarterly return on equity: -6.12% (-$4.0 mil)
    Net income: $0.8 mil
    Quarterly Net income: -$1.0 mil
    Pretax return on assets: 0.13% ($773.2 mil)
    Quarterly Pretax return on assets: -0.68% (-$4,044.6 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
  • 160Total employees (full-time equivalent)
  • $594,790Total assets
  • $22,621Cash and due from depository institutions
  • $8,311Interest-bearing balances
  • $78,984Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $453,632Net loans & leases
  • $14,851Loan loss allowance
  • $0Trading account assets
  • $5,865Bank premises and fixed assets
  • $23,712Other real estate owned
  • $3,333Goodwill and other intangibles
  • $594,790Life insurance assets
  • $6,643All other assets
  • $528,384Total liabilities and capital
  • $509,004Total liabilities
  • $376,240Total deposits
  • $509,004Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 7011.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $2,369Subordinated debt
  • $66,406All other liabilities
  • $66,406Total equity capital
  • $66,406Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $40,892Surplus
  • $25,014Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $28,414Income earned, not collected on loans
  • $0Earning assets
  • $2,621Long-term assets (5+ years)
  • $540,927Average Assets, year-to-date
  • $74,831Average Assets, quarterly
  • $622,873Volatile liabilities
  • $607,547Insider loans
  • $520,316FHLB advances
  • $608,165Loans and leases held for sale
  • $357Unused loan commitments
  • $357Tier 1 (core) risk-based capital
  • $62,845Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $88,059Restructured Loans and leases
  • $4,334Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $30,106Total interest income
  • $4,535Total interest expense
  • $25,571Net interest income
  • $4,350Provision for loan and lease losses
  • -$398Total noninterest income
  • $0Fiduciary activities
  • $1,420Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,818Additional noninterest income
  • $20,014Total noninterest expense
  • $10,430Salaries and employee benefits
  • $2,306Premises and equipment expense
  • $7,278Additional noninterest expense
  • $809Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $809Income before extraordinary items
  • $0Extraordinary gains - net
  • $809Net income attributable to bank
  • $0Net charge-offs
  • $809Cash dividends
  • $8,626Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.50%Net interest margin
  • -0.07%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 0.13%Net operating income to assets
  • 0.13%Return on assets (ROA)
  • 0.13%Pretax return on assets
  • 1.22%Return on equity (ROE)
  • 1.22%Retained earnings to average equity (YTD only)
  • 1.73%Net charge-offs to loans
  • 50.43%Credit loss provision to net charge-offs
  • 0.60%Efficiency ratio
  • 79,506Assets per employee
  • 3.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.17%Loss allowance to noncurrent loans
  • 52.27%Noncurrent assets plus other real estate owned to assets
  • 8.76%Noncurrent loans to loans
  • 6.07%Net loans and leases to deposits
  • 89.12%Net loans and leases to core deposits
  • 101.97%Equity capital to assets
  • 11.16%Core capital (leverage) ratio
  • 10.33%Tier 1 risk-based capital ratio
  • 12.08%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $622,873Average earning assets
  • $66,466Average equity
  • $568,328Average loans

List of branches

  • 13 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07027Alliance Bank105 East Lyon Avenue, Lake City, MN 55041January 01, 1867Full Service Brick and Mortar
    21297Alliance Bank Branch322 North Minnesota Street, New Ulm, MN 56073January 01, 1914Full Service Brick and Mortar
    33478Madelia Branch20 West Main Street, Madelia, MN 56062January 01, 1886Full Service Brick and Mortar
    4190438St Paul Branch55 E Fifth St, Suite 115, Saint Paul, MN 55101August 27, 1996Full Service Brick and Mortar
    55213Hanska Branch112 Broadway Street, Hanska, MN 56041September 09, 1902Full Service Brick and Mortar
    61285First Street East Branch31668 170th Street, Huntley, MN 56047April 16, 1916Full Service Brick and Mortar
    76774Courtland State Bank Branch329 Main Street, Courtland, MN 56021January 01, 1905Full Service Brick and Mortar
    9360227Ridgeway On German Branch715 South German Street, New Ulm, MN 56073May 01, 2001Full Service Brick and Mortar
    10360228Realife Cooperative Of New Ulm Branc1224 5th North, New Ulm, MN 56073May 02, 2001Limited Service Retail
    11431145Ridgeway On 23rd Branch720 23rd North, New Ulm, MN 56073August 17, 2004
    12453397Ridgeway On 720 23rd North Branch720 23rd North, New Ulm, MN 56073August 17, 2004Limited Service Mobile
    13453398Reallife Branch1224 5th North, New Ulm, MN 56073May 02, 2001Limited Service Mobile
    15470291Red Wing Branch840 Technology Drive, Red Wing, MN 55066January 07, 2008Full Service Brick and Mortar
  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    114190American Bank Branch2728 Mall Drive, Eau Claire, WI 54701December 13, 1971Full Service Brick and Mortar
    14467044Alliance Bank Branch310 Pinnacle Way, Eau Claire, WI 54702May 01, 2007Full Service Brick and Mortar

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