FDIC Certificate #: 1756 Status: Active Federal Reserve ID: 3488579 Date Established: August 12, 1912 WWW:http://www.centralbankar.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 #: 1166 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: January 01, 1934 Last Structure Change Effective Date: November 30, 2011 Last Structure Change Process Date: November 30, 2011 Last Data Update: November 30, 2011 Data Source Date: April 05, 2012
Location
Address: 1506 Market Street, Suite C180, Little Rock, AR 72211 County: Pulaski Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Little Rock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Little Rock-North Little Rock, AR (#4400) Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340) Core Based Statistical Area (CBSA): Little Rock-North Little Rock-Conway, AR (#30780) CBSA Metro Statistical Area: Little Rock-North Little Rock-Conway, AR (#30780)
Financial Summary
Total assets: $88.4 mil Equity capital: $13.3 mil Deposits held in domestic offices: $71.2 mil Return on assets (ROA): 1.75% ($1.5 mil) Quarterly return on assets: 1.19% ($1.0 mil) Return on Equity (ROE): 12.25% ($1.6 mil) Quarterly return on equity: 7.99% ($1.0 mil) Net income: $1.5 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.75% ($1,546.7 mil) Quarterly Pretax return on assets: 1.19% ($1,051.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$88,384Total assets
$1,011Cash and due from depository institutions
$466Interest-bearing balances
$18,492Securities
$1,850Federal funds sold & reverse repurchase agreements
$62,676Net loans & leases
$3,129Loan loss allowance
$0Trading account assets
$87Bank premises and fixed assets
$2,736Other real estate owned
$250Goodwill and other intangibles
$88,384Life insurance assets
$1,282All other assets
$75,090Total liabilities and capital
$71,192Total liabilities
$66,915Total deposits
$71,192Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,909Trading liabilities
$0Other borrowed funds
$989Subordinated debt
$13,294All other liabilities
$13,294Total equity capital
$13,294Total bank equity capital
$0Perpetual preferred stock
$2Common stock
$16,447Surplus
$-3,155Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$80Income earned, not collected on loans
$80Earning assets
$323Long-term assets (5+ years)
$83,484Average Assets, year-to-date
$21,887Average Assets, quarterly
$86,222Volatile liabilities
$88,276Insider loans
$66,359FHLB advances
$88,124Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,299Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,592Restructured Loans and leases
$4,515Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,287Total interest income
$1,058Total interest expense
$3,229Net interest income
$120Provision for loan and lease losses
-$73Total noninterest income
$0Fiduciary activities
$10Service charges on deposit accounts
$0Trading account gains & fees
-$83Additional noninterest income
$1,670Total noninterest expense
$764Salaries and employee benefits
$193Premises and equipment expense
$713Additional noninterest expense
$1,366Pre-tax net operating income
$141Securities gains (losses)
$0Applicable income taxes
$1,507Income before extraordinary items
$0Extraordinary gains - net
$1,507Net income attributable to bank
$0Net charge-offs
$1,507Cash dividends
-$341Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.21%Yield on earning assets
1.29%Cost of funding earning assets
3.92%Net interest margin
-0.09%Noninterest income to earning assets
2.03%Noninterest expense to earning assets
1.58%Net operating income to assets
1.75%Return on assets (ROA)
1.75%Pretax return on assets
12.25%Return on equity (ROE)
12.25%Retained earnings to average equity (YTD only)
-0.53%Net charge-offs to loans
-35.19%Credit loss provision to net charge-offs
0.00%Efficiency ratio
52,915Assets per employee
9.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.75%Loss allowance to noncurrent loans
3911.25%Noncurrent assets plus other real estate owned to assets
3.19%Noncurrent loans to loans
0.12%Net loans and leases to deposits
88.04%Net loans and leases to core deposits
94.78%Equity capital to assets
15.04%Core capital (leverage) ratio
13.96%Tier 1 risk-based capital ratio
18.53%Total risk-based capital ratio
Memoranda
$20Average assets
$86,222Average earning assets
$12,306Average equity
$82,299Average loans
List of branches
1 Arkansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1166
Central Bank
1506 Market Street, Suite C180, Little Rock, AR 72211
August 12, 1912
Full Service Brick and Mortar
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