Central Bank in city_name, state_name - Detailed Financial Reports, Location

Central Bank in Lebanon, Missouri (MO)
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Central Bank routing number info

Central Bank - Overview

General
FDIC Certificate #: 1057
Status: Active
Federal Reserve ID: 924759
Bank Holding Company (Regulatory Top Holder): Central Missouri Shares, Inc. (RSSDID: 3150278, Location: Lebanon, MO)
Date Established: June 17, 1917
WWW: http://www.central-bank.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 13034
FDIC's unique #: 707
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 101 West Commercial Street, Lebanon, MO 65536
County: Laclede
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Lebanon, MO (#30060)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $240.9 mil
Equity capital: $27.6 mil
Deposits held in domestic offices: $201.2 mil
Return on assets (ROA): 0.96% ($2.3 mil)
Quarterly return on assets: 0.37% ($0.9 mil)
Return on Equity (ROE): 8.67% ($2.4 mil)
Quarterly return on equity: 3.26% ($0.9 mil)
Net income: $2.4 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.96% ($2,312.6 mil)
Quarterly Pretax return on assets: 0.38% ($915.4 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
86Total employees (full-time equivalent)
$240,896Total assets
$9,515Cash and due from depository institutions
$7,131Interest-bearing balances
$40,081Securities
$224Federal funds sold & reverse repurchase agreements
$174,835Net loans & leases
$3,967Loan loss allowance
$0Trading account assets
$5,186Bank premises and fixed assets
$1,444Other real estate owned
$0Goodwill and other intangibles
$240,896Life insurance assets
$9,611All other assets
$213,323Total liabilities and capital
$201,155Total liabilities
$164,514Total deposits
$201,155Interest-bearing deposits
$85Deposits held in domestic offices
2493.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$7,500Trading liabilities
$0Other borrowed funds
$2,175Subordinated debt
$27,573All other liabilities
$27,573Total equity capital
$27,573Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$5,550Surplus
$21,523Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,772Income earned, not collected on loans
$19Earning assets
$970Long-term assets (5+ years)
$222,271Average Assets, year-to-date
$38,272Average Assets, quarterly
$246,259Volatile liabilities
$243,324Insider loans
$195,604FHLB advances
$242,217Loans and leases held for sale
$4,365Unused loan commitments
$1,771Tier 1 (core) risk-based capital
$27,037Tier 2 risk-based capital
$0Total risk weighted assets
$2,594Total unused commitments
$17,437Restructured Loans and leases
$2,157Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,074Total interest income
$2,233Total interest expense
$9,841Net interest income
$810Provision for loan and lease losses
$1,533Total noninterest income
$0Fiduciary activities
$843Service charges on deposit accounts
$0Trading account gains & fees
$690Additional noninterest income
$8,191Total noninterest expense
$4,600Salaries and employee benefits
$1,218Premises and equipment expense
$2,373Additional noninterest expense
$2,373Pre-tax net operating income
$0Securities gains (losses)
$14Applicable income taxes
$2,359Income before extraordinary items
$0Extraordinary gains - net
$2,359Net income attributable to bank
$0Net charge-offs
$2,359Cash dividends
$603Sale, conversion, retirement of capital stock, net
$1,665Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.37%Yield on earning assets
0.99%Cost of funding earning assets
4.38%Net interest margin
0.68%Noninterest income to earning assets
3.65%Noninterest expense to earning assets
0.96%Net operating income to assets
0.96%Return on assets (ROA)
0.96%Pretax return on assets
8.67%Return on equity (ROE)
2.55%Retained earnings to average equity (YTD only)
0.34%Net charge-offs to loans
134.33%Credit loss provision to net charge-offs
5.28%Efficiency ratio
72,015Assets per employee
2.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
70.58%Loss allowance to loans
2.22%Loss allowance to noncurrent loans
223.87%Noncurrent assets plus other real estate owned to assets
1.34%Noncurrent loans to loans
0.99%Net loans and leases to deposits
86.92%Net loans and leases to core deposits
91.42%Equity capital to assets
11.45%Core capital (leverage) ratio
11.16%Tier 1 risk-based capital ratio
13.82%Total risk-based capital ratio
Memoranda
$15Average assets
$246,259Average earning assets
$27,206Average equity
$224,639Average loans

List of branches

5 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	707	Central Bank	101 West Commercial Street, Lebanon, MO 65536	June 17, 1917	Full Service Brick and Mortar
1	187793	Conway Facility	State Highways Y And Cc, Conway, MO 65632	August 07, 1978	Full Service Brick and Mortar
2	187794	Central Bank-South Facility	1419 South Jefferson, Lebanon, MO 65536	September 27, 1982	Full Service Brick and Mortar
3	187795	Lynn Street Branch	950 Lynn Street, Lebanon, MO 65536	December 23, 1996	Full Service Brick and Mortar
4	187796	Wal-Mart Central Branch	1800 South Jefferson, Lebanon, MO 65536	Febuary 17, 1998	Full Service Retail

Central Bank in Lebanon, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Central Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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Central Bank in Lebanon, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

Central Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Central Bank in Lebanon, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches