Alliance Bank in Sulphur Springs, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Alliance Bank - Overview

  • General
  • FDIC Certificate #: 11569
    Status: Active
    Federal Reserve ID: 176464
    Bank Holding Company (Regulatory Top Holder): Alliance Bancshares, Inc. (RSSDID: 2127068, Location: Sulphur Springs, TX)
    Date Established: June 16, 1927
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 10383
    FDIC's unique #: 7391
    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: 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: 100 Jefferson Street, Sulphur Springs, TX 75482
    County: Hopkins
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Sulphur Springs, TX (#44860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $545.2 mil
    Equity capital: $48.6 mil
    Deposits held in domestic offices: $488.9 mil
    Return on assets (ROA): 0.25% ($1.4 mil)
    Quarterly return on assets: -1.40% (-$7.6 mil)
    Return on Equity (ROE): 2.76% ($1.4 mil)
    Quarterly return on equity: -15.25% (-$7.5 mil)
    Net income: $1.4 mil
    Quarterly Net income: -$1.9 mil
    Pretax return on assets: 0.25% ($1,363.1 mil)
    Quarterly Pretax return on assets: -1.40% (-$7,633.2 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
  • 191Total employees (full-time equivalent)
  • $545,231Total assets
  • $18,939Cash and due from depository institutions
  • $213Interest-bearing balances
  • $176,330Securities
  • $6,400Federal funds sold & reverse repurchase agreements
  • $305,176Net loans & leases
  • $4,576Loan loss allowance
  • $0Trading account assets
  • $9,942Bank premises and fixed assets
  • $3,200Other real estate owned
  • $4,059Goodwill and other intangibles
  • $545,231Life insurance assets
  • $21,185All other assets
  • $496,611Total liabilities and capital
  • $488,932Total liabilities
  • $416,339Total deposits
  • $488,932Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 3566.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4,113Subordinated debt
  • $48,620All other liabilities
  • $48,620Total equity capital
  • $48,620Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $23,277Surplus
  • $22,843Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,587Income earned, not collected on loans
  • $0Earning assets
  • $2,185Long-term assets (5+ years)
  • $488,119Average Assets, year-to-date
  • $250,044Average Assets, quarterly
  • $539,180Volatile liabilities
  • $543,291Insider loans
  • $326,308FHLB advances
  • $537,454Loans and leases held for sale
  • $15,162Unused loan commitments
  • $15,162Tier 1 (core) risk-based capital
  • $43,719Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $59,795Restructured Loans and leases
  • $19,872Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,190Total interest income
  • $4,085Total interest expense
  • $20,105Net interest income
  • $8,610Provision for loan and lease losses
  • $8,560Total noninterest income
  • $0Fiduciary activities
  • $4,581Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,979Additional noninterest income
  • $19,726Total noninterest expense
  • $10,044Salaries and employee benefits
  • $3,468Premises and equipment expense
  • $6,214Additional noninterest expense
  • $329Pre-tax net operating income
  • $1,042Securities gains (losses)
  • $0Applicable income taxes
  • $1,371Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,371Net income attributable to bank
  • $0Net charge-offs
  • $1,371Cash dividends
  • $8,577Sale, conversion, retirement of capital stock, net
  • $2,649Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.12%Net interest margin
  • 1.76%Noninterest income to earning assets
  • 4.05%Noninterest expense to earning assets
  • 0.06%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.25%Pretax return on assets
  • 2.76%Return on equity (ROE)
  • -2.57%Retained earnings to average equity (YTD only)
  • 2.64%Net charge-offs to loans
  • 100.38%Credit loss provision to net charge-offs
  • 1.04%Efficiency ratio
  • 67,141Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 193.22%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 99.76%Noncurrent assets plus other real estate owned to assets
  • 1.43%Noncurrent loans to loans
  • 1.48%Net loans and leases to deposits
  • 62.42%Net loans and leases to core deposits
  • 63.19%Equity capital to assets
  • 8.92%Core capital (leverage) ratio
  • 8.13%Tier 1 risk-based capital ratio
  • 13.40%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $539,180Average earning assets
  • $49,760Average equity
  • $487,463Average loans

List of branches

  • 11 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07391Alliance Bank100 Jefferson Street, Sulphur Springs, TX 75482June 16, 1927Full Service Brick and Mortar
    1225033Drive-In Facility310 Church Street, Sulphur Springs, TX 75482January 31, 1975Limited Service Facility
    2225034South Broadway Branch1226 South Broadway, Sulphur Springs, TX 75482October 12, 1984Limited Service Facility
    53806Wolfe City Office101 East Main, Wolfe City, TX 75496March 08, 1889Full Service Brick and Mortar
    6225035Commerce Branch1633 Highway 50, Commerce, TX 75496November 01, 1987Full Service Brick and Mortar
    7139676609 Wesley Street Branch6609 Wesley Street, Greenville, TX 75402November 09, 1970Full Service Brick and Mortar
    9362738Drive-In Facility1437 South Broadway Street, Sulphur Springs, TX 75482October 01, 2001Limited Service Facility
    12419483Processing Center Branch408 Rosemont, Sulphur Springs, TX 75482August 01, 2001Limited Service Administrative
    13419484Operations Center Branch300 Rosemont, Sulphur Springs, TX 75482September 15, 2000Limited Service Administrative
    14432834Greenville Branch9901 Wesley Street, Greenville, TX 75402November 01, 2004Limited Service Facility
    15444388Alliance Bank Branch6130 S. Fm 549, Rockwall, TX 75032September 14, 2005Full Service Brick and Mortar

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