Alliance Bank Central Texas in Waco, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Alliance Bank Central Texas - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 57Total employees (full-time equivalent)
  • $204,364Total assets
  • $13,938Cash and due from depository institutions
  • $7,710Interest-bearing balances
  • $28,791Securities
  • $4,273Federal funds sold & reverse repurchase agreements
  • $146,483Net loans & leases
  • $1,382Loan loss allowance
  • $0Trading account assets
  • $6,137Bank premises and fixed assets
  • $87Other real estate owned
  • $2,337Goodwill and other intangibles
  • $204,364Life insurance assets
  • $2,318All other assets
  • $185,123Total liabilities and capital
  • $183,302Total liabilities
  • $158,955Total deposits
  • $183,302Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 831.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $990Subordinated debt
  • $19,241All other liabilities
  • $19,241Total equity capital
  • $19,241Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $15,874Surplus
  • $2,867Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,616Income earned, not collected on loans
  • $0Earning assets
  • $931Long-term assets (5+ years)
  • $187,257Average Assets, year-to-date
  • $32,449Average Assets, quarterly
  • $197,083Volatile liabilities
  • $204,715Insider loans
  • $126,897FHLB advances
  • $199,548Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,582Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,079Restructured Loans and leases
  • $5,100Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,887Total interest income
  • $1,956Total interest expense
  • $7,931Net interest income
  • $710Provision for loan and lease losses
  • $685Total noninterest income
  • $0Fiduciary activities
  • $496Service charges on deposit accounts
  • $0Trading account gains & fees
  • $189Additional noninterest income
  • $6,046Total noninterest expense
  • $3,211Salaries and employee benefits
  • $898Premises and equipment expense
  • $1,937Additional noninterest expense
  • $1,860Pre-tax net operating income
  • $162Securities gains (losses)
  • $764Applicable income taxes
  • $1,258Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,258Net income attributable to bank
  • $0Net charge-offs
  • $1,258Cash dividends
  • $792Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.44%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 4.37%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 3.33%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 7.23%Return on equity (ROE)
  • 7.23%Retained earnings to average equity (YTD only)
  • 0.54%Net charge-offs to loans
  • 89.65%Credit loss provision to net charge-offs
  • 3.24%Efficiency ratio
  • 68,361Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 38.22%Noncurrent assets plus other real estate owned to assets
  • 1.81%Noncurrent loans to loans
  • 2.45%Net loans and leases to deposits
  • 79.91%Net loans and leases to core deposits
  • 92.46%Equity capital to assets
  • 9.42%Core capital (leverage) ratio
  • 8.31%Tier 1 risk-based capital ratio
  • 13.07%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $197,083Average earning assets
  • $17,409Average equity
  • $181,654Average loans

List of branches

  • 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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