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

First Central Bank in Warrensburg, Missouri (MO)
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First Central Bank routing number info

First Central Bank - Overview

General
FDIC Certificate #: 25268
Status: Active
Federal Reserve ID: 386852
Bank Holding Company (Regulatory Top Holder): Central Bancompany (RSSDID: 1094314, Location: Jefferson City, MO)
Date Established: July 16, 1984
WWW: http://www.firstcentral.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
FDIC's unique #: 17472
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: July 16, 1984
Last Structure Change Effective Date: August 12, 2010
Last Structure Change Process Date: August 12, 2010
Last Data Update: August 12, 2010
Data Source Date: April 05, 2012
Location
Address: 401 North Maguire Street, Warrensburg, MO 64093
County: Johnson
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Warrensburg, MO (#47660)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $208.1 mil
Equity capital: $35.7 mil
Deposits held in domestic offices: $167.4 mil
Return on assets (ROA): 1.17% ($2.4 mil)
Quarterly return on assets: 1.20% ($2.5 mil)
Return on Equity (ROE): 6.82% ($2.5 mil)
Quarterly return on equity: 6.92% ($2.5 mil)
Net income: $2.5 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.75% ($3,641.3 mil)
Quarterly Pretax return on assets: 1.78% ($3,703.8 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
62Total employees (full-time equivalent)
$208,077Total assets
$17,411Cash and due from depository institutions
$13,453Interest-bearing balances
$60,994Securities
$1,394Federal funds sold & reverse repurchase agreements
$107,010Net loans & leases
$2,850Loan loss allowance
$0Trading account assets
$3,100Bank premises and fixed assets
$760Other real estate owned
$15,352Goodwill and other intangibles
$208,077Life insurance assets
$2,056All other assets
$172,395Total liabilities and capital
$167,419Total liabilities
$131,927Total deposits
$167,419Interest-bearing deposits
$94Deposits held in domestic offices
4628.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$348Subordinated debt
$35,682All other liabilities
$35,682Total equity capital
$35,682Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$34,312Surplus
$1,120Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,474Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$837Income earned, not collected on loans
$0Earning assets
$1,100Long-term assets (5+ years)
$182,851Average Assets, year-to-date
$31,517Average Assets, quarterly
$211,376Volatile liabilities
$208,818Insider loans
$127,905FHLB advances
$196,445Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$20,762Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,219Restructured Loans and leases
$731Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,870Total interest income
$1,302Total interest expense
$7,568Net interest income
$578Provision for loan and lease losses
$2,772Total noninterest income
$0Fiduciary activities
$1,104Service charges on deposit accounts
$0Trading account gains & fees
$1,668Additional noninterest income
$6,062Total noninterest expense
$2,685Salaries and employee benefits
$564Premises and equipment expense
$2,813Additional noninterest expense
$3,700Pre-tax net operating income
$1Securities gains (losses)
$1,234Applicable income taxes
$2,467Income before extraordinary items
$0Extraordinary gains - net
$2,467Net income attributable to bank
$0Net charge-offs
$2,467Cash dividends
$357Sale, conversion, retirement of capital stock, net
$3,300Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.77%Yield on earning assets
0.70%Cost of funding earning assets
4.07%Net interest margin
1.49%Noninterest income to earning assets
3.26%Noninterest expense to earning assets
1.17%Net operating income to assets
1.17%Return on assets (ROA)
1.75%Pretax return on assets
6.82%Return on equity (ROE)
-2.30%Retained earnings to average equity (YTD only)
0.32%Net charge-offs to loans
161.90%Credit loss provision to net charge-offs
11.98%Efficiency ratio
55,658Assets per employee
3.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
133.77%Loss allowance to loans
2.59%Loss allowance to noncurrent loans
340.50%Noncurrent assets plus other real estate owned to assets
0.77%Noncurrent loans to loans
0.76%Net loans and leases to deposits
63.92%Net loans and leases to core deposits
71.10%Equity capital to assets
17.15%Core capital (leverage) ratio
10.57%Tier 1 risk-based capital ratio
16.23%Total risk-based capital ratio
Memoranda
$17Average assets
$211,376Average earning assets
$36,153Average equity
$185,950Average loans

List of branches

7 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	17472	First Central Bank	401 North Maguire Street, Warrensburg, MO 64093	July 16, 1984	Full Service Brick and Mortar
2	15958	Higginsville Branch	401-415 Fairground Avenue, Higginsville, MO 64037	April 11, 1979	Full Service Brick and Mortar
3	255433	Odessa Branch	416 North Second Street, Odessa, MO 64076	December 09, 1991	Full Service Brick and Mortar
5	5296	Bank Of Holden Branch	123 West Second Street, Holden, MO 64040	May 13, 1872	Full Service Brick and Mortar
7	218267	Bank Of Holden/Warrensburg South	1310 South Highway 13, Warrensburg, MO 64093	May 05, 1997	Full Service Brick and Mortar
9	362107	Holden Drive-Thru Branch	206 South Market, Holden, MO 64040	January 28, 2001	Limited Service Facility
10	493063	Www.Firstcentral.net Branch	2116 Nelwood Drive, Columbia, MO 65202	January 01, 2009	Full Service Cyber

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

First 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:

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

First 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:

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