FDIC Certificate #: 57424 Status: Active Federal Reserve ID: 3177378 Date Established: March 12, 2003 WWW:http://www.alliancebankky.com 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
No
ID
Name
Address
Established
Service Type
Map
0
363514
Alliance Banking Company
695 Bullion Boulevard, Winchester, KY 40391
March 12, 2003
Full Service Brick and Mortar
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