Alliance Bank in Francesville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Alliance Bank in Francesville, Indiana (IN)
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Alliance Bank routing number info

Alliance Bank - Overview

  • General
  • FDIC Certificate #: 197
    Status: Active
    Federal Reserve ID: 493741
    Bank Holding Company (Regulatory Top Holder): Alliance Bancorp (RSSDID: 1138405, Location: Francesville, IN)
    Date Established: July 03, 1930
    WWW: http://www.myalliancebank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 9807
    FDIC's unique #: 158
    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: 101 West Montgomery Street, Francesville, IN 47946
    County: Pulaski
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    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: $290.1 mil
    Equity capital: $28.6 mil
    Deposits held in domestic offices: $235.5 mil
    Return on assets (ROA): 1.75% ($5.1 mil)
    Quarterly return on assets: 2.74% ($7.9 mil)
    Return on Equity (ROE): 18.03% ($5.2 mil)
    Quarterly return on equity: 27.62% ($8.0 mil)
    Net income: $4.9 mil
    Quarterly Net income: $2.0 mil
    Pretax return on assets: 1.75% ($5,076.4 mil)
    Quarterly Pretax return on assets: 2.74% ($7,948.2 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
  • 70Total employees (full-time equivalent)
  • $290,082Total assets
  • $9,430Cash and due from depository institutions
  • $1,400Interest-bearing balances
  • $113,210Securities
  • $1,065Federal funds sold & reverse repurchase agreements
  • $150,574Net loans & leases
  • $4,481Loan loss allowance
  • $0Trading account assets
  • $3,045Bank premises and fixed assets
  • $15Other real estate owned
  • $2,912Goodwill and other intangibles
  • $290,082Life insurance assets
  • $9,831All other assets
  • $261,440Total liabilities and capital
  • $235,505Total liabilities
  • $194,813Total deposits
  • $235,505Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 19070.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,250Trading liabilities
  • $0Other borrowed funds
  • $2,615Subordinated debt
  • $28,642All other liabilities
  • $28,642Total equity capital
  • $28,642Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $15,342Surplus
  • $12,500Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,628Income earned, not collected on loans
  • $0Earning assets
  • $2,204Long-term assets (5+ years)
  • $266,249Average Assets, year-to-date
  • $138,501Average Assets, quarterly
  • $280,193Volatile liabilities
  • $287,969Insider loans
  • $182,386FHLB advances
  • $285,870Loans and leases held for sale
  • $5,151Unused loan commitments
  • $87Tier 1 (core) risk-based capital
  • $23,165Tier 2 risk-based capital
  • $2,653Total risk weighted assets
  • $2,411Total unused commitments
  • $32,449Restructured Loans and leases
  • $194Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,890Total interest income
  • $1,561Total interest expense
  • $10,329Net interest income
  • -$500Provision for loan and lease losses
  • $1,824Total noninterest income
  • $30Fiduciary activities
  • $1,168Service charges on deposit accounts
  • $0Trading account gains & fees
  • $626Additional noninterest income
  • $7,812Total noninterest expense
  • $4,537Salaries and employee benefits
  • $633Premises and equipment expense
  • $2,642Additional noninterest expense
  • $4,841Pre-tax net operating income
  • $74Securities gains (losses)
  • $0Applicable income taxes
  • $4,915Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,915Net income attributable to bank
  • $0Net charge-offs
  • $4,915Cash dividends
  • -$1,874Sale, conversion, retirement of capital stock, net
  • $3,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 0.60%Cost of funding earning assets
  • 4.00%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 1.73%Net operating income to assets
  • 1.75%Return on assets (ROA)
  • 1.75%Pretax return on assets
  • 18.03%Return on equity (ROE)
  • 5.19%Retained earnings to average equity (YTD only)
  • -1.24%Net charge-offs to loans
  • 26.68%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 64,280Assets per employee
  • 4.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.21%Loss allowance to loans
  • 2.89%Loss allowance to noncurrent loans
  • 123.51%Noncurrent assets plus other real estate owned to assets
  • 1.26%Noncurrent loans to loans
  • 2.34%Net loans and leases to deposits
  • 63.94%Net loans and leases to core deposits
  • 66.29%Equity capital to assets
  • 9.87%Core capital (leverage) ratio
  • 8.10%Tier 1 risk-based capital ratio
  • 12.70%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $280,193Average earning assets
  • $27,253Average equity
  • $258,313Average 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
  • $13,002Managed Assets
  • 1Number of Accounts
  • $13,002Personal trust and agency accounts
  • $12,925Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $77Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 32Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0158Alliance Bank101 West Montgomery Street, Francesville, IN 47946July 03, 1930Full Service Brick and Mortar
    1181350Winamac Branch51 N. U.S. Highway 35, Winamac, IN 46996May 20, 1992Full Service Brick and Mortar
    2181351Rensselaer Branch501 South College Avenue, Rensselaer, IN 47978April 22, 1996Full Service Brick and Mortar
    3363205Monon Branch319 North Market Street, Monon, IN 47959January 14, 2002Full Service Brick and Mortar
    49181Oxford Justus Street Branch100 South Justus Street, Oxford, IN 47971October 31, 1902Full Service Brick and Mortar
    5231943Otterbein Branch408 North Meadow Street, Otterbein, IN 47970June 16, 1941Full Service Brick and Mortar
    6231944Monticello Branch209 Rickey Road, Monticello, IN 47960June 22, 1992Full Service Brick and Mortar

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