Alpine Bank & Trust Co. in Rockford, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Alpine Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 18545
    Status: Active
    Federal Reserve ID: 813947
    Bank Holding Company (Regulatory Top Holder): Alpine Bancorporation, Inc. (RSSDID: 1130098, Location: Belvidere, IL)
    Date Established: June 25, 1962
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 19 (Domestic: 19, Interstate: No)
    OTS Docket #: 13094
    FDIC's unique #: 12434
    Numeric code: 13
    Regulator: FED
    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: June 25, 1962
    Last Structure Change Effective Date: July 12, 2008
    Last Structure Change Process Date: July 22, 2009
    Last Data Update: July 22, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1700 N Alpine Rd, Rockford, IL 61107
    County: Winnebago
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Rockford, IL (#6880)
    Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466)
    Core Based Statistical Area (CBSA): Rockford, IL (#40420)
    CBSA Metro Statistical Area: Rockford, IL (#40420)
  • History of Changes
  • Corrections
    Name Change
  • Financial Summary
  • Total assets: $1,039.0 mil
    Equity capital: $103.1 mil
    Deposits held in domestic offices: $928.9 mil
    Return on assets (ROA): 0.68% ($7.1 mil)
    Quarterly return on assets: 0.56% ($5.8 mil)
    Return on Equity (ROE): 7.11% ($7.3 mil)
    Quarterly return on equity: 5.66% ($5.8 mil)
    Net income: $7.0 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 0.70% ($7,272.8 mil)
    Quarterly Pretax return on assets: 0.58% ($6,026.0 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
  • 327Total employees (full-time equivalent)
  • $1,038,968Total assets
  • $60,899Cash and due from depository institutions
  • $31,944Interest-bearing balances
  • $366,844Securities
  • $991Federal funds sold & reverse repurchase agreements
  • $569,822Net loans & leases
  • $16,459Loan loss allowance
  • $0Trading account assets
  • $20,726Bank premises and fixed assets
  • $1,791Other real estate owned
  • $4,139Goodwill and other intangibles
  • $1,038,968Life insurance assets
  • $13,756All other assets
  • $935,863Total liabilities and capital
  • $928,928Total liabilities
  • $805,929Total deposits
  • $928,928Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $6,935Subordinated debt
  • $103,105All other liabilities
  • $103,105Total equity capital
  • $103,105Total bank equity capital
  • $0Perpetual preferred stock
  • $3,360Common stock
  • $33,813Surplus
  • $65,932Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $17,689Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,545Income earned, not collected on loans
  • $0Earning assets
  • $5,020Long-term assets (5+ years)
  • $969,601Average Assets, year-to-date
  • $260,779Average Assets, quarterly
  • $1,021,585Volatile liabilities
  • $1,039,471Insider loans
  • $687,137FHLB advances
  • $1,043,134Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $92,351Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $164,646Restructured Loans and leases
  • $42,152Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $40,347Total interest income
  • $6,496Total interest expense
  • $33,851Net interest income
  • $7,725Provision for loan and lease losses
  • $13,642Total noninterest income
  • $5,115Fiduciary activities
  • $3,647Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,880Additional noninterest income
  • $32,925Total noninterest expense
  • $19,476Salaries and employee benefits
  • $4,057Premises and equipment expense
  • $9,392Additional noninterest expense
  • $6,843Pre-tax net operating income
  • $266Securities gains (losses)
  • $155Applicable income taxes
  • $6,954Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,954Net income attributable to bank
  • $0Net charge-offs
  • $6,954Cash dividends
  • $3,638Sale, conversion, retirement of capital stock, net
  • $3,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.24%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 3.56%Net interest margin
  • 1.44%Noninterest income to earning assets
  • 3.46%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 7.11%Return on equity (ROE)
  • 4.04%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 212.34%Credit loss provision to net charge-offs
  • 4.00%Efficiency ratio
  • 69,326Assets per employee
  • 3.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.14%Loss allowance to loans
  • 2.81%Loss allowance to noncurrent loans
  • 172.44%Noncurrent assets plus other real estate owned to assets
  • 1.09%Noncurrent loans to loans
  • 1.63%Net loans and leases to deposits
  • 61.34%Net loans and leases to core deposits
  • 65.17%Equity capital to assets
  • 9.92%Core capital (leverage) ratio
  • 8.85%Tier 1 risk-based capital ratio
  • 13.44%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,021,585Average earning assets
  • $97,766Average equity
  • $950,650Average 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
  • $624,180Managed Assets
  • 1Number of Accounts
  • $474,748Personal trust and agency accounts
  • $184,917Employee benefit-defined contribution accounts
  • $10,976Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $82,051Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $164,214Other fiduciary accounts
  • $32,590Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1308Number of Accounts
  • $0Personal trust and agency accounts
  • $82,051Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $149,432Other retirement accounts
  • $10,617Corporate trust and agency accounts
  • $128,295Other fiduciary accounts
  • $8,165Fiduciary accounts held in foreign offices

List of branches

  • 19 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012434Alpine Bank & Trust Co.1700 N Alpine Rd, Rockford, IL 61107June 25, 1962Full Service Brick and Mortar
    1245650Springcreek FacilitySpring Creek And Mulford Roads, Rockford, IL 61111November 12, 1980Full Service Brick and Mortar
    214889Cherry Valley Branch1972 Pawlish, Cherry Valley, IL 61016April 16, 1974Full Service Brick and Mortar
    3253005Rockford Facility6838 East State Street, Rockford, IL 61108January 05, 1978Full Service Brick and Mortar
    4253006Machesney Facility613 Harlem Road, Machesney Park, IL 61115March 09, 1992Full Service Brick and Mortar
    5245651Mill Road Branch233 Mill Road, Rockford, IL 61108May 08, 1995Limited Service Facility
    6245652Loves Park Branch1810 Harlem Road, Loves Park, IL 61111November 30, 1998Full Service Retail
    7357855East State Logli6410 E. State Street, Rockford, IL 61108August 01, 1999Full Service Retail
    8357856Charles Street Logli Branch2642 Charles Street, Rockford, IL 61104April 01, 2000Full Service Retail
    9469128Messenger Service In Rockford1700 North Alpine Road, Rockford, IL 61125October 23, 2007Limited Service Messenger
    10470114Roscoe Branch5023 Rockrose Court, Roscoe, IL 61073December 27, 2007Full Service Brick and Mortar
    11578Belvidere Office600 South State Street, Belvidere, IL 61008January 20, 1908Full Service Brick and Mortar
    12186596Logan Avenue Facility311 Logan Avenue, Belvidere, IL 61008January 06, 1971Limited Service Facility
    13186597North State Street Drive-Up Facility1425 North State Street, Belvidere, IL 61008January 08, 1979Full Service Brick and Mortar
    1411197Kirkland Branch306 West Main Street, Kirkland, IL 60146January 01, 1913Full Service Brick and Mortar
    15453178Gateway Center Branch1988 Gateway Center Dr, Belvidere, IL 61008November 01, 2005Full Service Brick and Mortar
    16466586Bucs Branch1500 East Avenue, Belvidere, IL 61008August 30, 2006Limited Service Mobile
    17470530Blue Thunder Branch9392 Beloit Road, Belvidere, IL 61008August 08, 2007Limited Service Mobile
    18493057Wesley Willows Branch4142 Johns Farm Road, Rockford, IL 61101December 18, 2008Limited Service Mobile

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