Alliance Bank in Cape Girardeau, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Alliance Bank - Overview

  • General
  • FDIC Certificate #: 34566
    Status: Active
    Federal Reserve ID: 2619714
    Bank Holding Company (Regulatory Top Holder): Alliance Bancshares, Inc. (RSSDID: 3253629, Location: Cape Girardeau, MO)
    Date Established: October 23, 1997
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 59074
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: October 23, 1997
    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: 217 North Kingshighway, Cape Girardeau, MO 63701
    County: Cape Girardeau
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Cape Girardeau-Sikeston-Jackson, MO-IL (#164)
    Core Based Statistical Area (CBSA): Cape Girardeau-Jackson, MO-IL (#16020)
    CBSA Metro Statistical Area: Cape Girardeau-Jackson, MO-IL (#16020)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $143.1 mil
    Equity capital: $14.5 mil
    Deposits held in domestic offices: $128.4 mil
    Return on assets (ROA): 1.00% ($1.4 mil)
    Quarterly return on assets: 1.07% ($1.5 mil)
    Return on Equity (ROE): 10.14% ($1.5 mil)
    Quarterly return on equity: 10.70% ($1.6 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.46% ($2,089.7 mil)
    Quarterly Pretax return on assets: 1.55% ($2,218.5 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
  • 39Total employees (full-time equivalent)
  • $143,128Total assets
  • $5,723Cash and due from depository institutions
  • $410Interest-bearing balances
  • $19,804Securities
  • $6,939Federal funds sold & reverse repurchase agreements
  • $101,900Net loans & leases
  • $1,669Loan loss allowance
  • $0Trading account assets
  • $3,976Bank premises and fixed assets
  • $841Other real estate owned
  • $0Goodwill and other intangibles
  • $143,128Life insurance assets
  • $3,945All other assets
  • $128,590Total liabilities and capital
  • $128,440Total liabilities
  • $113,926Total deposits
  • $128,440Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $150Subordinated debt
  • $14,538All other liabilities
  • $14,538Total equity capital
  • $14,538Total bank equity capital
  • $0Perpetual preferred stock
  • $3,478Common stock
  • $10,190Surplus
  • $870Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $510Income earned, not collected on loans
  • $0Earning assets
  • $1,276Long-term assets (5+ years)
  • $129,053Average Assets, year-to-date
  • $33,696Average Assets, quarterly
  • $137,980Volatile liabilities
  • $143,285Insider loans
  • $128,544FHLB advances
  • $144,856Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,187Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,220Restructured Loans and leases
  • $3,494Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,085Total interest income
  • $979Total interest expense
  • $5,106Net interest income
  • $230Provision for loan and lease losses
  • $881Total noninterest income
  • $0Fiduciary activities
  • $254Service charges on deposit accounts
  • $0Trading account gains & fees
  • $627Additional noninterest income
  • $3,740Total noninterest expense
  • $2,138Salaries and employee benefits
  • $391Premises and equipment expense
  • $1,211Additional noninterest expense
  • $2,017Pre-tax net operating income
  • $0Securities gains (losses)
  • $636Applicable income taxes
  • $1,381Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,381Net income attributable to bank
  • $0Net charge-offs
  • $1,381Cash dividends
  • $253Sale, conversion, retirement of capital stock, net
  • $25Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.85%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 4.07%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 10.14%Return on equity (ROE)
  • 9.96%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 90.91%Credit loss provision to net charge-offs
  • 8.88%Efficiency ratio
  • 62,469Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1.81%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 327.25%Noncurrent assets plus other real estate owned to assets
  • 0.94%Noncurrent loans to loans
  • 0.49%Net loans and leases to deposits
  • 79.34%Net loans and leases to core deposits
  • 88.43%Equity capital to assets
  • 10.16%Core capital (leverage) ratio
  • 9.79%Tier 1 risk-based capital ratio
  • 11.04%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $137,980Average earning assets
  • $13,615Average equity
  • $125,510Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    059074Alliance Bank217 North Kingshighway, Cape Girardeau, MO 63701October 23, 1997Full Service Brick and Mortar
    2360290Sikeston Branch820 North Main Street, Sikeston, MO 63801May 14, 2001Full Service Brick and Mortar
    3425700Oran Branch1100 State Highway W, Oran, MO 63771Febuary 20, 2004Full Service Brick and Mortar

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