Alliance Bank in Mondovi, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Alliance Bank in Mondovi, Wisconsin (WI)
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Alliance Bank - Overview

  • General
  • FDIC Certificate #: 12511
    Status: Active
    Federal Reserve ID: 21658
    Bank Holding Company (Regulatory Top Holder): Gebsco, Inc. (RSSDID: 1126082, Location: Mondovi, WI)
    Date Established: January 01, 1900
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 11730
    FDIC's unique #: 7959
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural 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: 245 South Eau Claire Street, Mondovi, WI 54755
    County: Buffalo
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $148.0 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $131.8 mil
    Return on assets (ROA): 0.82% ($1.2 mil)
    Quarterly return on assets: 1.11% ($1.6 mil)
    Return on Equity (ROE): 8.16% ($1.2 mil)
    Quarterly return on equity: 10.97% ($1.6 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.86% ($1,272.6 mil)
    Quarterly Pretax return on assets: 1.15% ($1,701.8 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
  • 41Total employees (full-time equivalent)
  • $147,981Total assets
  • $7,905Cash and due from depository institutions
  • $4,622Interest-bearing balances
  • $40,875Securities
  • $441Federal funds sold & reverse repurchase agreements
  • $92,697Net loans & leases
  • $1,377Loan loss allowance
  • $0Trading account assets
  • $1,456Bank premises and fixed assets
  • $603Other real estate owned
  • $0Goodwill and other intangibles
  • $147,981Life insurance assets
  • $4,004All other assets
  • $132,942Total liabilities and capital
  • $131,754Total liabilities
  • $131,744Total deposits
  • $131,754Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $91Trading liabilities
  • $0Other borrowed funds
  • $1,097Subordinated debt
  • $15,039All other liabilities
  • $15,039Total equity capital
  • $15,039Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $4,157Surplus
  • $10,782Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,440Income earned, not collected on loans
  • $0Earning assets
  • $764Long-term assets (5+ years)
  • $138,635Average Assets, year-to-date
  • $23,675Average Assets, quarterly
  • $144,991Volatile liabilities
  • $146,119Insider loans
  • $97,736FHLB advances
  • $147,129Loans and leases held for sale
  • $2,397Unused loan commitments
  • $2,397Tier 1 (core) risk-based capital
  • $14,574Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,788Restructured Loans and leases
  • $3,555Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,540Total interest income
  • $1,482Total interest expense
  • $5,058Net interest income
  • $477Provision for loan and lease losses
  • $716Total noninterest income
  • $51Fiduciary activities
  • $327Service charges on deposit accounts
  • $0Trading account gains & fees
  • $338Additional noninterest income
  • $4,055Total noninterest expense
  • $2,405Salaries and employee benefits
  • $309Premises and equipment expense
  • $1,341Additional noninterest expense
  • $1,242Pre-tax net operating income
  • $2Securities gains (losses)
  • $62Applicable income taxes
  • $1,182Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,182Net income attributable to bank
  • $0Net charge-offs
  • $1,182Cash dividends
  • $571Sale, conversion, retirement of capital stock, net
  • $774Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.81%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 8.16%Return on equity (ROE)
  • 2.82%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 83.54%Credit loss provision to net charge-offs
  • 3.01%Efficiency ratio
  • 70,229Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.48%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 95.63%Noncurrent assets plus other real estate owned to assets
  • 1.38%Noncurrent loans to loans
  • 1.53%Net loans and leases to deposits
  • 70.36%Net loans and leases to core deposits
  • 71.41%Equity capital to assets
  • 10.16%Core capital (leverage) ratio
  • 9.91%Tier 1 risk-based capital ratio
  • 14.91%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $144,991Average earning assets
  • $14,493Average equity
  • $136,308Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $8,975Managed Assets
  • 1Number of Accounts
  • $6,907Personal trust and agency accounts
  • $6,143Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $711Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $53Non-managed Assets
  • 8Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,068Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07959Alliance Bank245 South Eau Claire Street, Mondovi, WI 54755January 01, 1900Full Service Brick and Mortar
    3207623Gilmanton BranchS879 State Road 88, Gilmanton, WI 54743August 12, 1988Full Service Brick and Mortar
    4227281Osseo Branch13806 10th St, Osseo, WI 54758July 01, 1991Full Service Brick and Mortar
    510138Cochrane Branch103 South Main Street, Cochrane, WI 54622August 12, 1942Full Service Brick and Mortar
    6235802Bluff Siding BranchW418 Bluff Siding Road, Fountain City, WI 54629October 09, 1984Full Service Brick and Mortar

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