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 WWW:http://www.altonbank.com 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
No
ID
Name
Address
Established
Service Type
Map
0
5279
Alton Bank
520 Broadway St, Alton, MO 65606
April 17, 1924
Full Service Brick and Mortar
1
218242
Alton Branch
24-25 North Main Street, Alton, MO 65606
June 03, 1993
Limited Service Facility
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