Alton Bank in Alton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Alton Bank - Overview

  • General
  • FDIC Certificate #: 8276
    Status: Active
    Federal Reserve ID: 881441
    Bank Holding Company (Regulatory Top Holder): Alton Bancshares, Inc. (RSSDID: 1491548, Location: Alton, MO)
    Date Established: April 17, 1924
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 5279
    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: 520 Broadway St, Alton, MO 65606
    County: Oregon
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $60.2 mil
    Equity capital: $10.0 mil
    Deposits held in domestic offices: $50.1 mil
    Return on assets (ROA): 1.89% ($1.1 mil)
    Quarterly return on assets: 1.63% ($1.0 mil)
    Return on Equity (ROE): 10.73% ($1.1 mil)
    Quarterly return on equity: 9.52% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.87% ($1,126.5 mil)
    Quarterly Pretax return on assets: 1.63% ($981.9 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
  • 15Total employees (full-time equivalent)
  • $60,242Total assets
  • $6,972Cash and due from depository institutions
  • $0Interest-bearing balances
  • $13,841Securities
  • $6,200Federal funds sold & reverse repurchase agreements
  • $32,353Net loans & leases
  • $343Loan loss allowance
  • $0Trading account assets
  • $314Bank premises and fixed assets
  • $50Other real estate owned
  • $0Goodwill and other intangibles
  • $60,242Life insurance assets
  • $512All other assets
  • $50,248Total liabilities and capital
  • $50,100Total liabilities
  • $44,056Total deposits
  • $50,100Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $148Subordinated debt
  • $9,994All other liabilities
  • $9,994Total equity capital
  • $9,994Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $100Surplus
  • $9,744Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $511Income earned, not collected on loans
  • $0Earning assets
  • $306Long-term assets (5+ years)
  • $52,394Average Assets, year-to-date
  • $2,918Average Assets, quarterly
  • $54,945Volatile liabilities
  • $58,027Insider loans
  • $33,948FHLB advances
  • $56,924Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,964Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,105Restructured Loans and leases
  • $737Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,741Total interest income
  • $502Total interest expense
  • $2,239Net interest income
  • $188Provision for loan and lease losses
  • $378Total noninterest income
  • $0Fiduciary activities
  • $286Service charges on deposit accounts
  • $0Trading account gains & fees
  • $92Additional noninterest income
  • $1,405Total noninterest expense
  • $923Salaries and employee benefits
  • $158Premises and equipment expense
  • $324Additional noninterest expense
  • $1,024Pre-tax net operating income
  • $2Securities gains (losses)
  • -$10Applicable income taxes
  • $1,036Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,036Net income attributable to bank
  • $0Net charge-offs
  • $1,036Cash dividends
  • $188Sale, conversion, retirement of capital stock, net
  • $378Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.68%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 4.64%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 2.91%Noninterest expense to earning assets
  • 1.88%Net operating income to assets
  • 1.89%Return on assets (ROA)
  • 1.87%Pretax return on assets
  • 10.73%Return on equity (ROE)
  • 6.82%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 6.45%Efficiency ratio
  • 53,687Assets per employee
  • 4.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.49%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 67.12%Noncurrent assets plus other real estate owned to assets
  • 0.93%Noncurrent loans to loans
  • 1.56%Net loans and leases to deposits
  • 64.58%Net loans and leases to core deposits
  • 65.10%Equity capital to assets
  • 16.59%Core capital (leverage) ratio
  • 17.50%Tier 1 risk-based capital ratio
  • 29.35%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $54,945Average earning assets
  • $9,651Average equity
  • $48,234Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05279Alton Bank520 Broadway St, Alton, MO 65606April 17, 1924Full Service Brick and Mortar
    1218242Alton Branch24-25 North Main Street, Alton, MO 65606June 03, 1993Limited Service Facility

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