Central Bank - Herington in Herington, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1994

Central Bank - Herington in Herington, Kansas (KS)
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Central Bank - Herington - Overview

General
FDIC Certificate #: 12691
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Central National Bank (#4702)
Federal Reserve ID: 933555
Date Established: January 01, 1886
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 8050
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 01, 1994
Last Structure Change Process Date: April 14, 1994
Last Data Update: April 14, 1994
Data Source Date: April 05, 2012
Location
Address: 101 South Broadway, Herington, KS 67449
County: Dickinson
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Hays
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $44.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$21Total assets
$44,255Cash and due from depository institutions
$2,575Interest-bearing balances
$470Securities
$19,602Federal funds sold & reverse repurchase agreements
$750Net loans & leases
$19,847Loan loss allowance
$305Trading account assets
$0Bank premises and fixed assets
$332Other real estate owned
$91Goodwill and other intangibles
$1,042Life insurance assets
$16All other assets
$0Total liabilities and capital
$44,255Total liabilities
$39,863Total deposits
$39,503Interest-bearing deposits
$35,606Deposits held in domestic offices
39503.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$186Subordinated debt
$0All other liabilities
$174Total equity capital
$174Total bank equity capital
$4,392Perpetual preferred stock
$0Common stock
$810Surplus
$2,068Undivided profits
Memoranda
$1,514Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$243Earning assets
$40,669Long-term assets (5+ years)
$1,905Average Assets, year-to-date
$43,899Average Assets, quarterly
$43,785Volatile liabilities
$1,786Insider loans
$217FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,468Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,376Total risk weighted assets
$22,109Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$2,957Total interest expense
$1,285Net interest income
$1,672Provision for loan and lease losses
$212Total noninterest income
$252Fiduciary activities
$0Service charges on deposit accounts
$48Trading account gains & fees
$0Additional noninterest income
$204Total noninterest expense
$1,221Salaries and employee benefits
$575Premises and equipment expense
$160Additional noninterest expense
$486Pre-tax net operating income
$491Securities gains (losses)
$71Applicable income taxes
$206Income before extraordinary items
$356Extraordinary gains - net
$587Net income attributable to bank
$943Net charge-offs
$242Cash dividends
$137Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.27%Cost of funding earning assets
3.16%Net interest margin
4.11%Noninterest income to earning assets
0.62%Noninterest expense to earning assets
3.00%Net operating income to assets
0.71%Return on assets (ROA)
2.15%Pretax return on assets
2.62%Return on equity (ROE)
22.65%Retained earnings to average equity (YTD only)
19.36%Net charge-offs to loans
1.32%Credit loss provision to net charge-offs
87.60%Efficiency ratio
63,358Assets per employee
2.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
14.53%Loss allowance to loans
1.51%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.00%Net loans and leases to deposits
50.24%Net loans and leases to core deposits
52.36%Equity capital to assets
9.92%Core capital (leverage) ratio
10.00%Tier 1 risk-based capital ratio
19.79%Total risk-based capital ratio
Memoranda
$21Average assets
$43,899Average earning assets
$4,164Average equity
$40,684Average loans

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