Winchester Federal Bank in Winchester, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Winchester Federal Bank in Winchester, Kentucky (KY)
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Winchester Federal Bank - Overview

  • General
  • FDIC Certificate #: 29313
    Status: Active
    Federal Reserve ID: 50872
    Date Established: January 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 3267
    FDIC's unique #: 42147
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 09, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 57 S Main St, 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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $164.1 mil
    Equity capital: $16.7 mil
    Deposits held in domestic offices: $94.0 mil
    Return on assets (ROA): 0.98% ($1.6 mil)
    Quarterly return on assets: 1.06% ($1.7 mil)
    Return on Equity (ROE): 10.13% ($1.7 mil)
    Quarterly return on equity: 10.61% ($1.8 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.98% ($1,608.3 mil)
    Quarterly Pretax return on assets: 1.06% ($1,739.6 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)
  • $164,113Total assets
  • $19,427Cash and due from depository institutions
  • $18,862Interest-bearing balances
  • $8,719Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $129,968Net loans & leases
  • $1,437Loan loss allowance
  • $0Trading account assets
  • $1,395Bank premises and fixed assets
  • $577Other real estate owned
  • $9Goodwill and other intangibles
  • $164,113Life insurance assets
  • $4,018All other assets
  • $147,393Total liabilities and capital
  • $94,041Total liabilities
  • $91,088Total deposits
  • $94,041Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $52,837Trading liabilities
  • $0Other borrowed funds
  • $515Subordinated debt
  • $16,720All other liabilities
  • $16,720Total equity capital
  • $16,720Total bank equity capital
  • $0Perpetual preferred stock
  • $229Common stock
  • $1,903Surplus
  • $14,588Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,441Income earned, not collected on loans
  • $0Earning assets
  • $625Long-term assets (5+ years)
  • $157,549Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $169,278Volatile liabilities
  • $167,509Insider loans
  • $94,769FHLB advances
  • $163,723Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,330Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,283Restructured Loans and leases
  • $2,882Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,835Total interest income
  • $3,188Total interest expense
  • $4,647Net interest income
  • $840Provision for loan and lease losses
  • $53Total noninterest income
  • $0Fiduciary activities
  • $87Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$34Additional noninterest income
  • $2,200Total noninterest expense
  • $1,000Salaries and employee benefits
  • $599Premises and equipment expense
  • $601Additional noninterest expense
  • $1,660Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,660Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,660Net income attributable to bank
  • $0Net charge-offs
  • $1,660Cash dividends
  • $569Sale, conversion, retirement of capital stock, net
  • $1,119Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 1.96%Cost of funding earning assets
  • 2.86%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 1.35%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 10.13%Return on equity (ROE)
  • 3.30%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 147.63%Credit loss provision to net charge-offs
  • 4.39%Efficiency ratio
  • 46,809Assets per employee
  • 10.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.41%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 99.72%Noncurrent assets plus other real estate owned to assets
  • 1.23%Noncurrent loans to loans
  • 1.10%Net loans and leases to deposits
  • 138.20%Net loans and leases to core deposits
  • 160.27%Equity capital to assets
  • 10.19%Core capital (leverage) ratio
  • 9.97%Tier 1 risk-based capital ratio
  • 17.23%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $169,278Average earning assets
  • $16,389Average equity
  • $162,526Average loans

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042147Winchester Federal Bank57 S Main St, Winchester, KY 40391January 01, 1934Full Service Brick and Mortar
    1441456Bypass Road Branch1705 Bypass Road, Winchester, KY 40391September 16, 2002Full Service Brick and Mortar

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