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Previous: ORION OLDCO SERVICES INC, SC 13G/A, 1998-04-09 |
Next: UNIVERSAL HOSPITAL SERVICES INC, S-1, 1998-04-09 |
<PAGE>
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 10-K/A
AMENDMENT NO. 1
[x] Annual report pursuant to Section 13 or 15(d) of the Securities Exchange
Act of 1934.
For the fiscal year ended December 31, 1997 Commission file number 0-20082
----------------- -------
Alliance Bancorp
------------------------------------------------------
(EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)
Delaware 36-3811768
- ------------------------------- -------------------
(STATE OR OTHER JURISDICTION OF (I.R.S. EMPLOYER
INCORPORATION OR ORGANIZATION) IDENTIFICATION NO.)
One Grant Square
Hinsdale, Illinois 60521
- ---------------------------------------- ----------
(ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE)
Telephone Number: (630) 323-1776
--------------
Securities Registered Pursuant to Section 12(g) of the Exchange Act: Common
Stock
Indicate by checkmark whether the registrant (1) has filed all reports
required to be filed by Sections 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.
Yes x No
----- -----
Indicate by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K is not contained herein, and will not be contained to the
Registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [x]
The aggregate market value of the voting stock held by nonaffiliates of the
registrant, computed by reference to the last reported sales price of such stock
on the NASDAQ National Market System on March 13, 1998 was approximately
$191,392,505.
The number of shares outstanding of the registrant's Common Stock, the
registrant's only class of outstanding capital stock, as of March 13, 1998 was
8,022,147.
DOCUMENTS INCORPORATED BY REFERENCE
Part III-Portions of the Proxy Statement for the 1998 Annual Meeting of
Stockholders are incorporated by reference into Part III of this Form 10-K.
<PAGE>
PART IV
ITEM 14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM 8-K
(a) Exhibits Required by Securities and Exchange Commission Regulation S-K
Exhibit 27 - Revised Financial Data Schedules
<PAGE>
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.
DATED: April 7, 1998 ALLIANCE BANCORP
----------------
(Registrant)
By: /s/ Kenne P. Bristol
--------------------
Kenne P. Bristol
President and Chief Executive Officer
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C> <C> <C>
<PERIOD-TYPE> 9-MOS 6-MOS 3-MOS
<FISCAL-YEAR-END> DEC-31-1997 DEC-31-1997 DEC-31-1997
<PERIOD-END> SEP-30-1997 JUN-30-1997 MAR-31-1997
<CASH> 11,202 12,410 14,242
<INT-BEARING-DEPOSITS> 25,432 23,858 12,485
<FED-FUNDS-SOLD> 0 0 0
<TRADING-ASSETS> 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 289,064 302,312 150,703
<INVESTMENTS-CARRYING> 0 0 0
<INVESTMENTS-MARKET> 0 0 0
<LOANS> 996,854 1,017,641 1,093,954
<ALLOWANCE> 5,435 5,458 5,478
<TOTAL-ASSETS> 1,371,184 1,404,263 1,313,141
<DEPOSITS> 998,051 1,020,923 1,004,517
<SHORT-TERM> 160,397 132,164 128,800
<LIABILITIES-OTHER> 19,926 27,878 25,571
<LONG-TERM> 0 0 0
0 0 0
0 0 0
<COMMON> 82 54 54
<OTHER-SE> 129,008 125,040 122,259
<TOTAL-LIABILITIES-AND-EQUITY> 1,371,184 1,404,263 1,313,141
<INTEREST-LOAN> 55,913 35,250 16,708
<INTEREST-INVEST> 11,955 6,447 2,016
<INTEREST-OTHER> 829 493 137
<INTEREST-TOTAL> 68,697 42,190 18,861
<INTEREST-DEPOSIT> 32,631 20,587 8,933
<INTEREST-EXPENSE> 41,294 25,780 11,341
<INTEREST-INCOME-NET> 27,403 16,410 7,520
<LOAN-LOSSES> 0 0 0
<SECURITIES-GAINS> 0 0 (396)
<EXPENSE-OTHER> 26,738 16,691 7,889
<INCOME-PRETAX> 12,079 6,626 2,328
<INCOME-PRE-EXTRAORDINARY> 12,079 0 2,328
<EXTRAORDINARY> 0 0 0
<CHANGES> 0 0 0
<NET-INCOME> 7,405 4,065 1,429
<EPS-PRIMARY> 1.00 0.57 0.23
<EPS-DILUTED> 0.93 0.53 0.21
<YIELD-ACTUAL> 2.59 2.33 2.87
<LOANS-NON> 2,257 1,627 1,761
<LOANS-PAST> 0 0 0
<LOANS-TROUBLED> 0 0 0
<LOANS-PROBLEM> 124 0 0
<ALLOWANCE-OPEN> 5,475 5,478 2,272
<CHARGE-OFFS> 46 22 0
<RECOVERIES> 6 2 3
<ALLOWANCE-CLOSE> 5,435 5,458 5,478
<ALLOWANCE-DOMESTIC> 0 525 525
<ALLOWANCE-FOREIGN> 0 0 0
<ALLOWANCE-UNALLOCATED> 5,435 4,933 4,885
</TABLE>
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<CASH> 7,645
<INT-BEARING-DEPOSITS> 19,596
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 7,138
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 611,643
<ALLOWANCE> 2,272
<TOTAL-ASSETS> 667,964
<DEPOSITS> 462,869
<SHORT-TERM> 111,900
<LIABILITIES-OTHER> 14,326
<LONG-TERM> 0
0
0
<COMMON> 27
<OTHER-SE> 56,599
<TOTAL-LIABILITIES-AND-EQUITY> 667,964
<INTEREST-LOAN> 10,687
<INTEREST-INVEST> 274
<INTEREST-OTHER> 137
<INTEREST-TOTAL> 11,098
<INTEREST-DEPOSIT> 4,828
<INTEREST-EXPENSE> 6,824
<INTEREST-INCOME-NET> 4,274
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 70
<EXPENSE-OTHER> 5,666
<INCOME-PRETAX> 1,764
<INCOME-PRE-EXTRAORDINARY> 1,764
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,079
<EPS-PRIMARY> 0.27
<EPS-DILUTED> 0.26
<YIELD-ACTUAL> 2.72
<LOANS-NON> 1,163
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,412
<CHARGE-OFFS> 150
<RECOVERIES> 10
<ALLOWANCE-CLOSE> 2,272
<ALLOWANCE-DOMESTIC> 550
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,722
</TABLE>
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C> <C> <C>
<PERIOD-TYPE> YEAR 9-MOS 6-MOS
<FISCAL-YEAR-END> SEP-30-1996 SEP-30-1996 SEP-30-1996
<PERIOD-END> SEP-30-1996 JUN-30-1996 MAR-31-1996
<CASH> 6,069 5,048 5,021
<INT-BEARING-DEPOSITS> 22,924 27,248 36,498
<FED-FUNDS-SOLD> 0 0 0
<TRADING-ASSETS> 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 7,365 7,652 8,197
<INVESTMENTS-CARRYING> 0 0 0
<INVESTMENTS-MARKET> 0 0 0
<LOANS> 593,134 601,785 612,453
<ALLOWANCE> 2,412 2,407 2,405
<TOTAL-ASSETS> 650,897 662,482 682,029
<DEPOSITS> 452,472 466,109 471,927
<SHORT-TERM> 108,949 99,042 68,991
<LIABILITIES-OTHER> 11,463 16,308 18,830
<LONG-TERM> 0 0 0
0 0 0
0 0 0
<COMMON> 27 22 22
<OTHER-SE> 55,444 55,441 54,319
<TOTAL-LIABILITIES-AND-EQUITY> 650,897 662,482 682,029
<INTEREST-LOAN> 43,404 32,755 22,086
<INTEREST-INVEST> 1,264 984 679
<INTEREST-OTHER> 1,033 842 514
<INTEREST-TOTAL> 45,701 34,581 23,279
<INTEREST-DEPOSIT> 19,691 14,816 9,914
<INTEREST-EXPENSE> 28,967 22,082 15,026
<INTEREST-INCOME-NET> 16,734 12,499 8,253
<LOAN-LOSSES> 50 50 50
<SECURITIES-GAINS> 452 300 308
<EXPENSE-OTHER> 25,696 16,947 11,088
<INCOME-PRETAX> 3,935 5,071 3,664
<INCOME-PRE-EXTRAORDINARY> 3,935 5,071 3,664
<EXTRAORDINARY> 0 0 0
<CHANGES> 0 0 0
<NET-INCOME> 3,074 3,355 2,223
<EPS-PRIMARY> 0.76 0.83 0.55
<EPS-DILUTED> 0.73 0.80 0.53
<YIELD-ACTUAL> 2.58 2.54 2.50
<LOANS-NON> 932 731 866
<LOANS-PAST> 0 0 0
<LOANS-TROUBLED> 0 0 0
<LOANS-PROBLEM> 0 0 0
<ALLOWANCE-OPEN> 2,589 2,589 2,589
<CHARGE-OFFS> 246 246 246
<RECOVERIES> 19 14 12
<ALLOWANCE-CLOSE> 2,412 2,407 2,405
<ALLOWANCE-DOMESTIC> 550 544 573
<ALLOWANCE-FOREIGN> 0 0 0
<ALLOWANCE-UNALLOCATED> 1,862 1,863 1,832
</TABLE>
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> SEP-30-1996
<PERIOD-END> DEC-31-1995
<CASH> 6,661
<INT-BEARING-DEPOSITS> 22,369
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 8,728
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 624,743
<ALLOWANCE> 2,530
<TOTAL-ASSETS> 684,230
<DEPOSITS> 459,187
<SHORT-TERM> 85,734
<LIABILITIES-OTHER> 17,868
<LONG-TERM> 0
0
0
<COMMON> 22
<OTHER-SE> 53,086
<TOTAL-LIABILITIES-AND-EQUITY> 684,230
<INTEREST-LOAN> 11,164
<INTEREST-INVEST> 353
<INTEREST-OTHER> 266
<INTEREST-TOTAL> 11,783
<INTEREST-DEPOSIT> 4,981
<INTEREST-EXPENSE> 7,714
<INTEREST-INCOME-NET> 4,069
<LOAN-LOSSES> 50
<SECURITIES-GAINS> 98
<EXPENSE-OTHER> 5,296
<INCOME-PRETAX> 1,701
<INCOME-PRE-EXTRAORDINARY> 1,701
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,022
<EPS-PRIMARY> 0.25
<EPS-DILUTED> 0.24
<YIELD-ACTUAL> 2.15
<LOANS-NON> 1,145
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,589
<CHARGE-OFFS> 109
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 2,530
<ALLOWANCE-DOMESTIC> 768
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,762
</TABLE>
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