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


  • Winchester Federal Bank in Winchester, Kentucky (KY)
  • Show street view No street view available for this location

Winchester Federal Bank - Overview

  • General
  • FDIC Certificate #: 29313
    Status: Active
    Federal Reserve ID: 50872
    Date Established: January 01, 1934
    WWW: http://www.winchesterfederal.com
    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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Winchester Federal Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents