Alliance Banking Company in Winchester, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Alliance Banking Company in Winchester, Kentucky (KY)
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Alliance Banking Company - Overview

  • General
  • FDIC Certificate #: 57424
    Status: Active
    Federal Reserve ID: 3177378
    Date Established: March 12, 2003
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 363514
    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 12, 2003
    Last Structure Change Effective Date: March 31, 2008
    Last Structure Change Process Date: March 26, 2009
    Last Data Update: March 26, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 695 Bullion Boulevard, Winchester, KY 40391
    County: Clark
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Lexington, KY (#4280)
    Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
    Core Based Statistical Area (CBSA): Lexington-Fayette, KY (#30460)
    CBSA Metro Statistical Area: Lexington-Fayette, KY (#30460)
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $60.1 mil
    Equity capital: $5.2 mil
    Deposits held in domestic offices: $52.4 mil
    Return on assets (ROA): 0.03% ($0.0 mil)
    Quarterly return on assets: -0.56% (-$0.3 mil)
    Return on Equity (ROE): 0.30% ($0.0 mil)
    Quarterly return on equity: -6.33% (-$0.3 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.03% ($18.0 mil)
    Quarterly Pretax return on assets: -0.56% (-$336.8 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
  • 14Total employees (full-time equivalent)
  • $60,148Total assets
  • $6,606Cash and due from depository institutions
  • $6,452Interest-bearing balances
  • $2,405Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $45,798Net loans & leases
  • $857Loan loss allowance
  • $0Trading account assets
  • $2,582Bank premises and fixed assets
  • $2,219Other real estate owned
  • $0Goodwill and other intangibles
  • $60,148Life insurance assets
  • $538All other assets
  • $54,934Total liabilities and capital
  • $52,366Total liabilities
  • $50,170Total deposits
  • $52,366Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 40.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,329Trading liabilities
  • $0Other borrowed funds
  • $199Subordinated debt
  • $5,214All other liabilities
  • $5,214Total equity capital
  • $5,214Total bank equity capital
  • $0Perpetual preferred stock
  • $8,346Common stock
  • $4,000Surplus
  • $-7,132Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $46Income earned, not collected on loans
  • $0Earning assets
  • $173Long-term assets (5+ years)
  • $54,655Average Assets, year-to-date
  • $10,130Average Assets, quarterly
  • $59,282Volatile liabilities
  • $59,624Insider loans
  • $42,297FHLB advances
  • $57,459Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,173Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,389Restructured Loans and leases
  • $2,882Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,605Total interest income
  • $641Total interest expense
  • $1,964Net interest income
  • $45Provision for loan and lease losses
  • $161Total noninterest income
  • $0Fiduciary activities
  • $85Service charges on deposit accounts
  • $0Trading account gains & fees
  • $76Additional noninterest income
  • $2,065Total noninterest expense
  • $887Salaries and employee benefits
  • $247Premises and equipment expense
  • $931Additional noninterest expense
  • $15Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $15Income before extraordinary items
  • $0Extraordinary gains - net
  • $15Net income attributable to bank
  • $0Net charge-offs
  • $15Cash dividends
  • $165Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 3.89%Noninterest expense to earning assets
  • 0.03%Net operating income to assets
  • 0.03%Return on assets (ROA)
  • 0.03%Pretax return on assets
  • 0.30%Return on equity (ROE)
  • 0.30%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 27.27%Credit loss provision to net charge-offs
  • 0.36%Efficiency ratio
  • 97,176Assets per employee
  • 4.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 1863.04%Noncurrent assets plus other real estate owned to assets
  • 3.77%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 87.46%Net loans and leases to core deposits
  • 89.03%Equity capital to assets
  • 8.67%Core capital (leverage) ratio
  • 9.00%Tier 1 risk-based capital ratio
  • 12.23%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $59,282Average earning assets
  • $5,061Average equity
  • $53,035Average loans

List of branches

  • 1 Kentucky Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0363514Alliance Banking Company695 Bullion Boulevard, Winchester, KY 40391March 12, 2003Full Service Brick and Mortar

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