Centennial Bank in Conway, Arkansas (AR), FL, AL
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Centennial Bank in Conway, Arkansas (AR), FL, AL
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Centennial Bank - Overview

  • General
  • FDIC Certificate #: 11241
    Status: Active
    Federal Reserve ID: 456045
    Bank Holding Company (Regulatory Top Holder): Home Bancshares, Inc. (RSSDID: 1491409, Location: Conway, AR)
    Date Established: January 01, 1903
    WWW: http://www.my100bank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 109 (Domestic: 92, Interstate: Yes)
    FDIC's unique #: 7173
    Numeric code: 13
    Regulator: FED
    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: Febuary 16, 2012
    Last Structure Change Process Date: Febuary 29, 2012
    Last Data Update: Febuary 29, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 620 Chestnut Street, Conway, AR 72032
    County: Faulkner
    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)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $3,588.2 mil
    Equity capital: $479.8 mil
    Deposits held in domestic offices: $2,891.9 mil
    Return on assets (ROA): 1.58% ($56.7 mil)
    Quarterly return on assets: 1.66% ($59.6 mil)
    Return on Equity (ROE): 12.22% ($58.7 mil)
    Quarterly return on equity: 12.46% ($59.8 mil)
    Net income: $57.8 mil
    Quarterly Net income: $14.9 mil
    Pretax return on assets: 2.44% ($87,553.1 mil)
    Quarterly Pretax return on assets: 2.58% ($92,576.6 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
  • 774Total employees (full-time equivalent)
  • $3,588,241Total assets
  • $182,628Cash and due from depository institutions
  • $127,168Interest-bearing balances
  • $671,220Securities
  • $1,100Federal funds sold & reverse repurchase agreements
  • $2,189,695Net loans & leases
  • $52,129Loan loss allowance
  • $0Trading account assets
  • $88,455Bank premises and fixed assets
  • $51,840Other real estate owned
  • $68,283Goodwill and other intangibles
  • $3,588,241Life insurance assets
  • $335,020All other assets
  • $3,108,419Total liabilities and capital
  • $2,891,923Total liabilities
  • $2,393,530Total deposits
  • $2,891,923Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 62319.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $142,777Trading liabilities
  • $0Other borrowed funds
  • $11,400Subordinated debt
  • $479,822All other liabilities
  • $479,822Total equity capital
  • $479,822Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $357,641Surplus
  • $122,121Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $10,314Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $146,099Income earned, not collected on loans
  • $1,220Earning assets
  • $15,551Long-term assets (5+ years)
  • $2,989,183Average Assets, year-to-date
  • $784,865Average Assets, quarterly
  • $3,660,793Volatile liabilities
  • $3,597,493Insider loans
  • $2,581,126FHLB advances
  • $3,474,425Loans and leases held for sale
  • $52,444Unused loan commitments
  • $7,551Tier 1 (core) risk-based capital
  • $404,687Tier 2 risk-based capital
  • $44,893Total risk weighted assets
  • $0Total unused commitments
  • $292,361Restructured Loans and leases
  • $34,742Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $172,420Total interest income
  • $28,392Total interest expense
  • $144,028Net interest income
  • $3,500Provision for loan and lease losses
  • $37,693Total noninterest income
  • $0Fiduciary activities
  • $14,084Service charges on deposit accounts
  • $0Trading account gains & fees
  • $23,609Additional noninterest income
  • $91,160Total noninterest expense
  • $40,363Salaries and employee benefits
  • $13,385Premises and equipment expense
  • $37,412Additional noninterest expense
  • $87,061Pre-tax net operating income
  • $2,248Securities gains (losses)
  • $31,499Applicable income taxes
  • $57,810Income before extraordinary items
  • $0Extraordinary gains - net
  • $57,810Net income attributable to bank
  • $0Net charge-offs
  • $57,810Cash dividends
  • $4,719Sale, conversion, retirement of capital stock, net
  • $39,759Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.71%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.58%Return on assets (ROA)
  • 2.44%Pretax return on assets
  • 12.22%Return on equity (ROE)
  • 3.81%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 74.17%Credit loss provision to net charge-offs
  • 19.19%Efficiency ratio
  • 48,609Assets per employee
  • 4.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.78%Loss allowance to loans
  • 2.33%Loss allowance to noncurrent loans
  • 35.68%Noncurrent assets plus other real estate owned to assets
  • 5.52%Noncurrent loans to loans
  • 6.52%Net loans and leases to deposits
  • 75.72%Net loans and leases to core deposits
  • 87.62%Equity capital to assets
  • 13.37%Core capital (leverage) ratio
  • 11.65%Tier 1 risk-based capital ratio
  • 15.68%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $3,660,793Average earning assets
  • $473,263Average equity
  • $3,060,669Average loans

List of branches

  • 9 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    11978842Gulf Shores Branch2201 West First Street, Gulf Shores, AL 36542March 29, 2000Full Service Brick and Mortar
    120294955Orange Beach Branch25051 Canal Street, Orange Beach, AL 36561March 29, 2000Full Service Brick and Mortar
    121294960Gulf Shores Branch2201 West First Street, Gulf Shores, AL 36542March 29, 2000Limited Service Messenger
    122359728Point Clear Branch17008 Scenic Hwy 98, Point Clear, AL 36564March 06, 2001Full Service Brick and Mortar
    123272416Foley Branch501 S Mckenzie Street, Foley, AL 36535October 17, 1994Full Service Brick and Mortar
    124423137Fairhope Branch218 North Greeno Rd, Fairhope, AL 36532July 14, 2003Full Service Brick and Mortar
    125442409Elberta Branch24989 State Street, Elberta, AL 36530November 01, 2004Full Service Brick and Mortar
    126453568Daphne Branch28720 Us Hwy 98, Daphne, AL 36526June 30, 2006Full Service Brick and Mortar
    128474382Robertsdale Branch22245-3a Highway 59, Robertsdale, AL 36567October 01, 2007Full Service Brick and Mortar
  • 52 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07173Centennial Bank620 Chestnut Street, Conway, AR 72032January 01, 1903Full Service Brick and Mortar
    2224180Downtown Branch1208 Oak Street, Conway, AR 72032January 04, 1999Full Service Brick and Mortar
    3224181Vilonia Branch1044 Main Street, Vilonia, AR 72173June 03, 1999Full Service Brick and Mortar
    4357199West Branch945 Salem Road, Conway, AR 72034July 03, 1999Full Service Brick and Mortar
    5357200Indirect Lending Branch1150 N. Museum Road Suite 102, Conway, AR 72032July 03, 1999Limited Service Loan Production
    6357201Mayflower Branch582 Hwy 365 South, Mayflower, AR 72106January 15, 2000Full Service Retail
    7357202North Branch2690 Donaghey, Conway, AR 72032January 15, 2000Full Service Brick and Mortar
    8364494Greenbrier Branch#8 Business Park Drive, Greenbrier, AR 72058August 17, 2001Full Service Brick and Mortar
    9364495East Branch1815 East Oak Street, Conway, AR 72032July 30, 2001Full Service Brick and Mortar
    10419356South Branch2500 Dave Ward Drive, Conway, AR 72034November 25, 2002Full Service Brick and Mortar
    12430148Plaza Branch1445 Hogan Lane, Conway, AR 72034March 30, 2004Full Service Brick and Mortar
    13448892Searcy Branch1300 West Beebe-Capps Expressway, Searcy, AR 72143Febuary 27, 2006Full Service Brick and Mortar
    14453300First State Bank Mobile Branch6220 Chestnut Street, Conway, AR 72032May 05, 2006Limited Service Mobile
    15465756Quitman Office BranchPo Box 966, Conway, AR 72033June 22, 2007Full Service Brick and Mortar
    18470116North Maple Street Branch815 North Maple Street, Searcy, AR 72143August 13, 2007Full Service Brick and Mortar
    19470117Hartsfield Drive Branch411 Hartsfield Drive, Searcy, AR 72143September 17, 2007Full Service Brick and Mortar
    21473431South Saint Joseph Street Branch100 South Saint Joseph Street, Morrilton, AR 72110Febuary 18, 2008Full Service Brick and Mortar
    35489404Heber Springs Branch1631 Highway 25b North, Heber Springs, AR 72543March 09, 2009Full Service Brick and Mortar
    361161Community Bank Branch1 City Plaza, Cabot, AR 72023March 15, 1903Full Service Brick and Mortar
    37190069Ward Branch120 West North Street, Ward, AR 72176October 15, 1973Full Service Brick and Mortar
    38190071South Pine Street Branch1204 South Pine Street, Cabot, AR 72023October 15, 1990Full Service Brick and Mortar
    39190072Jacksonville Branch10 Crestview Plaza, Jacksonville, AR 72076Febuary 03, 1997Full Service Brick and Mortar
    40190074Dewitt Henry Branch707 Dewitt Henry Drive, Beebe, AR 72012July 01, 1998Full Service Brick and Mortar
    41190075West Main Branch2171 West Main Street, Cabot, AR 72023November 22, 1999Full Service Brick and Mortar
    42362229John Hardin Drive Branch1900 John Hardin Drive, Jacksonville, AR 72076August 01, 2000Full Service Brick and Mortar
    43433296Bill Foster Branch3111 Bill Foster Memorial Highway, Cabot, AR 72023November 29, 2004Full Service Brick and Mortar
    44445313West Main Branch1816 West Main Street, Jacksonville, AR 72076August 30, 2005Full Service Brick and Mortar
    45447398Beebe Branch30 Highway 64 West, Beebe, AR 72012January 30, 2006Full Service Brick and Mortar
    46476637Greystone Branch15500 Greystone Boulevard, Cabot, AR 72023March 31, 2008Full Service Brick and Mortar
    477973Mountain View Branch121 East Main Street, Mountain View, AR 72560July 21, 1915Full Service Brick and Mortar
    48465762Sylamore Branch301 Sylamore Avenue, Mountain View, AR 72560April 10, 2007Full Service Brick and Mortar
    50207916Rison Branch3rd And Pine Street, Rison, AR 71665December 22, 1994Full Service Brick and Mortar
    51361757Fordyce Branch316 N Main Street, Fordyce, AR 71742June 30, 2001Full Service Brick and Mortar
    5347178Twin City Bank Branch2716 Lakewood Village Place, North Little Rock, AR 72116July 26, 1991Full Service Brick and Mortar
    54356985Twin City Bank Argenta Branch305 East Broadway, North Little Rock, AR 72114June 01, 2000Limited Service Mobile
    55359401Rose City Branch4308 Broadway, North Little Rock, AR 72117Febuary 01, 2001Full Service Brick and Mortar
    56361477Levy Branch3811 Mcarthur Drive, North Little Rock, AR 72118August 01, 2000Full Service Brick and Mortar
    57419006Riverdale Branch2610 Cantrell Road, Little Rock, AR 72202May 19, 2003Full Service Brick and Mortar
    58419062Rodney Parham Road Branch9712 Rodney Parham Road, Little Rock, AR 72227May 23, 2003Full Service Brick and Mortar
    59419116Chenal Branch520 Bowman, Little Rock, AR 72211June 02, 2003Full Service Brick and Mortar
    60419358Sherwood Branch7213 Highway 107, Sherwood, AR 72120July 08, 2002Full Service Brick and Mortar
    61420139Baseline Branch10315 Interstate 30, Little Rock, AR 72209July 21, 2003Full Service Brick and Mortar
    62190073Kiehl Branch301 East Kiehl, Sherwood, AR 72116Febuary 06, 1998Full Service Brick and Mortar
    63425772Highway 10 Branch13910 Cantrell Road, Little Rock, AR 72223August 22, 2003Full Service Brick and Mortar
    64425773Kavanaugh Branch4924 Kavanaugh Boulevard, Little Rock, AR 72207November 17, 2003Full Service Brick and Mortar
    65425774University Branch2922 South University, Little Rock, AR 72204December 15, 2003Full Service Brick and Mortar
    66429586Camp Robinson Road Branch4515 Camp Robinson Road, North Little Rock, AR 72118June 28, 2004Full Service Brick and Mortar
    67437796Broadway Branch718 Broadway, Little Rock, AR 72201Febuary 14, 2005Full Service Brick and Mortar
    68442985Maumelle Branch9453 Maumelle Boulevard, Maumelle, AR 72113May 09, 2005Full Service Brick and Mortar
    69478509Bryant Branch2224 N. Reynolds Rd., Bryant, AR 72022September 30, 2007Full Service Brick and Mortar
    104513005Lonoke County Mobile Branch620 Chestnut Street, Conway, AR 72032October 08, 2010Limited Service Mobile
    110514908Saline County Mobile Branch620 Chestnut Street, Conway, AR 72032October 23, 2010Limited Service Mobile
  • 48 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    2355574Marathon Branch11290 Overseas Highway, Marathon, FL 33050March 27, 1995Full Service Brick and Mortar
    24290280Summerland Key Branch25000 Overseas Highway, Summerland Key, FL 33042January 26, 1998Full Service Brick and Mortar
    25290281Islamorada Key Branch82787 Overseas Highway, Islamorada, FL 33036March 15, 1998Full Service Brick and Mortar
    26290282Big Pine Branch101 Wilder Road, Big Pine Key, FL 33050December 23, 1998Full Service Brick and Mortar
    27340757Midtown Office4594 Overseas Highway, Marathon, FL 33050Febuary 20, 2000Full Service Brick and Mortar
    28360424Key West Branch2514 N. Roosevelt Blvd., Key West, FL 33040May 30, 2001Full Service Brick and Mortar
    30448952Marine Bank Of Charlotte Harbor22627 Bayshore Road, Port Charlotte, FL 33980March 06, 2006Full Service Brick and Mortar
    31465557Marine Bank Of Marco Island Branch615 E Elkcam Circle, Marco Island, FL 34145October 10, 2006Full Service Brick and Mortar
    32465558Marine Bank Of Punta Gorda Branch401 Taylor Street, Punta Gorda, FL 33950December 05, 2006Full Service Brick and Mortar
    33465559Key West Olde Town Branch1229 Simonton Street, Key West, FL 33040March 10, 2007Full Service Brick and Mortar
    34465560Key Largo Branch100280 Overseas Highway, Key Largo, FL 33037May 09, 2007Full Service Brick and Mortar
    72457300Winter Park Branch2415 Aloma Avenue, Winter Park, FL 32792September 06, 2006Full Service Brick and Mortar
    73465516Clermont Branch1515 E. Highway 50, Clermont, FL 34711June 13, 2007Full Service Brick and Mortar
    74467435Springs Plaza Branch2491 West State Road 434, Suite 230, Longwood, FL 32750March 22, 2007Full Service Brick and Mortar
    75479359Colonialtown Branch1200 Hillcrest Street, Suite 102, Orlando, FL 32803December 19, 2007Full Service Brick and Mortar
    77493018Sand Lake Office Branch8910 Turkey Lake Road, Orlando, FL 32819August 25, 2008Full Service Brick and Mortar
    7861196Key West Branch701 Whitehead Street, Key West, FL 33040Febuary 08, 1999Full Service Brick and Mortar
    79419363Bayside Savings Branch Port Saint Jo202 Marina Drive, Port Saint Joe, FL 32457October 28, 2003Full Service Brick and Mortar
    80495247101 15th Street10115th Street, Mexico Beach, FL 32456August 01, 2006Full Service Brick and Mortar
    816146Coastal Community Branch Panama City12141 Panama City Beach Parkway, Panama City Beach, FL 32407January 01, 1906Full Service Brick and Mortar
    84220703Carrabelle Branch607 Highway 98, Carrabelle, FL 32322October 16, 1995Full Service Brick and Mortar
    85364728Courier Service Branch12141 Panama City Beach Parkway, Panama City Beach, FL 32407August 01, 2002Limited Service Messenger
    87433841Apalachicola Branch22 Avenue E, Apalachicola, FL 32320September 13, 2004Full Service Brick and Mortar
    88447921Lynn Haven Branch635 Baldwin Road, Panama City, FL 32405Febuary 06, 2006Full Service Brick and Mortar
    89464781Saint Andrews Branch1000 Beck Avenue, Panama City, FL 32401June 14, 2007Full Service Brick and Mortar
    90468529Southport Branch7435 Highway 77, Southport, FL 32409October 01, 2007Full Service Brick and Mortar
    91491041Thomas Drive Branch2515 Thomas Drive, Panama City Beach, FL 32408January 05, 2009Full Service Brick and Mortar
    9215082Wakulla Bank Branch2932 Crawfordville Highway, Crawfordville, FL 32327October 01, 1974Full Service Brick and Mortar
    93253484St. Marks Branch1970 Woodville Highway, Crawfordville, FL 32327April 26, 1983Full Service Brick and Mortar
    94253485Woodville Highway Branch8232 Woodville Highway, Tallahassee, FL 32305October 02, 1989Full Service Brick and Mortar
    95253486Tallahassee Branch2101 Capital Circle, N.E., Tallahassee, FL 32308January 24, 1995Full Service Brick and Mortar
    97253489Kerry Forest Branch2906 Kerry Forest Pkwy, Tallahassee, FL 32309October 30, 1998Full Service Brick and Mortar
    98340760Appleyard Branch503 Appleyard Drive, Tallahassee, FL 32304March 13, 2000Full Service Brick and Mortar
    99360950Ochlockonee Branch104 Coastal Highway, Panacea, FL 32346June 11, 2001Full Service Brick and Mortar
    100433281Southwood Branch3641 Coolidge Court, Tallahassee, FL 32311November 22, 2004Full Service Brick and Mortar
    102451226Bristol Branch10911 Sr 20, Bristol, FL 32321April 25, 2006Full Service Brick and Mortar
    103470762Blountstown Branch20734 Central Avenue East, Blountstown, FL 32424December 12, 2007Full Service Brick and Mortar
    107250750Drive-In FacilityIsland Drive And Avenue C, Eastpoint, FL 32328June 30, 1980Limited Service Facility
    108250751St. George Island Branch61 West Gulf Beach Drive, Eastpoint, FL 32328March 12, 1986Full Service Brick and Mortar
    111522215Lake Mary Branch970 Rinehart Road, Lake Mary, FL 32746March 12, 2010Full Service Brick and Mortar
    112207972Port St. Joe Branch529 Cecil G Costin Blvd, Port Saint Joe, FL 32456October 08, 1979Full Service Brick and Mortar
    113207973Port St. Joe Beach Branch8134 West Highway 98, Port St. Joe, FL 32456September 15, 1994Full Service Brick and Mortar
    114442577Wewahitchka Branch125 North Highway 71, Wewahitchka, FL 32465December 02, 2004Full Service Brick and Mortar
    115443286Panama City Beach Branch16901 Panama City Beach Parkway, Panama City Beach, FL 32413October 15, 2004Full Service Brick and Mortar
    116443287Santa Rosa Beach Branch1598 South County Highway 393 Suite 106, Santa Rosa Beach, FL 32459Febuary 09, 2005Full Service Brick and Mortar
    117443288Edgewater Branch559 Richard Jackson Blvd, Panama City Beach, FL 32407Febuary 28, 2005Full Service Brick and Mortar
    118450850Destin Branch1021 Highway 98 East, Destin, FL 32541Febuary 21, 2006Full Service Brick and Mortar
    127474348Navarre Branch8524 Navarre Parkway, Navarre, FL 32566September 19, 2007Full Service Brick and Mortar

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