Alliance Bank Central Texas in Waco, Texas (TX)



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Alliance Bank Central Texas routing number info

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Alliance Bank Central Texas
GeneralFDIC Certificate #: 15657
Status: Active
Federal Reserve ID: 601658
Bank Holding Company (Regulatory Top Holder): Abct Holdings, Inc. (RSSDID: 3615441, Location: Waco, TX)
Date Established: March 16, 1939
WWW: http://www.abctsecure.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 9934
Numeric code: 21
Regulator: FDIC
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: March 20, 1939
Last Structure Change Effective Date: January 11, 2010
Last Structure Change Process Date: Febuary 02, 2010
Last Data Update: Febuary 02, 2010
Data Source Date: April 05, 2012
LocationAddress: 4721 Bosque Blvd, Waco, TX 76710
County: Mclennan
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Dallas
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Waco, TX (#8800)
Core Based Statistical Area (CBSA): Waco, TX (#47380)
CBSA Metro Statistical Area: Waco, TX (#47380)
History of ChangesChange in Location
Financial SummaryTotal assets: $204.4 mil
Equity capital: $19.2 mil
Deposits held in domestic offices: $183.3 mil
Return on assets (ROA): 0.64% ($1.3 mil)
Quarterly return on assets: 0.91% ($1.9 mil)
Return on Equity (ROE): 7.23% ($1.4 mil)
Quarterly return on equity: 9.85% ($1.9 mil)
Net income: $1.3 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.03% ($2,104.9 mil)
Quarterly Pretax return on assets: 0.95% ($1,941.5 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)
Total employees (full-time equivalent)57
Total assets$204,364
Cash and due from depository institutions$13,938
Interest-bearing balances$7,710
Securities$28,791
Federal funds sold & reverse repurchase agreements$4,273
Net loans & leases$146,483
Loan loss allowance $1,382
Trading account assets$0
Bank premises and fixed assets$6,137
Other real estate owned$87
Goodwill and other intangibles$2,337
All other assets$2,318
Life insurance assets$204,364
Total liabilities and capital$185,123
Total liabilities$183,302
Total deposits$158,955
Interest-bearing deposits$183,302
Deposits held in domestic offices$73
% insured (estimated)831.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $990
All other liabilities $19,241
Total equity capital$19,241
Total bank equity capital$19,241
Perpetual preferred stock$0
Common stock$500
Surplus$15,874
Undivided profits $2,867
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,616
Earning assets $0
Long-term assets (5+ years) $931
Average Assets, year-to-date $187,257
Average Assets, quarterly $32,449
Volatile liabilities $197,083
Insider loans $204,715
FHLB advances $126,897
Loans and leases held for sale $199,548
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $16,582
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,079
Derivatives$5,100
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,887
Total interest expense $1,956
Net interest income $7,931
Provision for loan and lease losses $710
Total noninterest income $685
Fiduciary activities $0
Service charges on deposit accounts $496
Trading account gains & fees $0
Additional noninterest income $189
Total noninterest expense $6,046
Salaries and employee benefits $3,211
Premises and equipment expense $898
Additional noninterest expense $1,937
Pre-tax net operating income $1,860
Securities gains (losses) $162
Applicable income taxes $764
Income before extraordinary items $1,258
Extraordinary gains - net $0
Net income attributable to bank $1,258
Net charge-offs $0
Cash dividends $1,258
Sale, conversion, retirement of capital stock, net $792
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.44%
Cost of funding earning assets 1.08%
Net interest margin 4.37%
Noninterest income to earning assets 0.38%
Noninterest expense to earning assets 3.33%
Net operating income to assets 0.59%
Return on assets (ROA) 0.64%
Pretax return on assets 1.03%
Return on equity (ROE) 7.23%
Retained earnings to average equity (YTD only) 7.23%
Net charge-offs to loans 0.54%
Credit loss provision to net charge-offs 89.65%
Efficiency ratio3.24%
Assets per employee$68,361
Cash dividends to net income (YTD only)3.59%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.93%
Noncurrent assets plus other real estate owned to assets 38.22%
Noncurrent loans to loans 1.81%
Net loans and leases to deposits2.45%
Net loans and leases to core deposits 79.91%
Equity capital to assets 92.46%
Core capital (leverage) ratio 9.42%
Tier 1 risk-based capital ratio 8.31%
Total risk-based capital ratio 13.07%
Memoranda
Average assets$14
Average earning assets$197,083
Average equity $17,409
Average loans $181,654
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3 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09934Alliance Bank Central Texas4721 Bosque Blvd, Waco, TX 76710March 16, 1939Full Service Brick and Mortar
1225030Donie Branch302 Main Street, Donie, TX 75838June 30, 1992Full Service Brick and Mortar
2472050Jewett Branch114 North Main Street, Jewett, TX 75846October 01, 2007Full Service Brick and Mortar
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