Centennial Bank in Conway, Arkansas (AR), FL, AL



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Centennial Bank
GeneralFDIC 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
LocationAddress: 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 ChangesOffice Purchased
Financial SummaryTotal 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)
Total employees (full-time equivalent)774
Total assets$3,588,241
Cash and due from depository institutions$182,628
Interest-bearing balances$127,168
Securities$671,220
Federal funds sold & reverse repurchase agreements$1,100
Net loans & leases$2,189,695
Loan loss allowance $52,129
Trading account assets$0
Bank premises and fixed assets$88,455
Other real estate owned$51,840
Goodwill and other intangibles$68,283
All other assets$335,020
Life insurance assets$3,588,241
Total liabilities and capital$3,108,419
Total liabilities$2,891,923
Total deposits$2,393,530
Interest-bearing deposits$2,891,923
Deposits held in domestic offices$79
% insured (estimated)62319.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$142,777
Other borrowed funds $0
Subordinated debt $11,400
All other liabilities $479,822
Total equity capital$479,822
Total bank equity capital$479,822
Perpetual preferred stock$0
Common stock$60
Surplus$357,641
Undivided profits $122,121
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $10,314
Income earned, not collected on loans $146,099
Earning assets $1,220
Long-term assets (5+ years) $15,551
Average Assets, year-to-date $2,989,183
Average Assets, quarterly $784,865
Volatile liabilities $3,660,793
Insider loans $3,597,493
FHLB advances $2,581,126
Loans and leases held for sale $3,474,425
Unused loan commitments $52,444
Tier 1 (core) risk-based capital $7,551
Tier 2 risk-based capital $404,687
Total risk weighted assets $44,893
Total unused commitments $0
Restructured Loans and leases $292,361
Derivatives$34,742
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $172,420
Total interest expense $28,392
Net interest income $144,028
Provision for loan and lease losses $3,500
Total noninterest income $37,693
Fiduciary activities $0
Service charges on deposit accounts $14,084
Trading account gains & fees $0
Additional noninterest income $23,609
Total noninterest expense $91,160
Salaries and employee benefits $40,363
Premises and equipment expense $13,385
Additional noninterest expense $37,412
Pre-tax net operating income $87,061
Securities gains (losses) $2,248
Applicable income taxes $31,499
Income before extraordinary items $57,810
Extraordinary gains - net $0
Net income attributable to bank $57,810
Net charge-offs $0
Cash dividends $57,810
Sale, conversion, retirement of capital stock, net $4,719
Net operating income $39,759
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.63%
Cost of funding earning assets 0.93%
Net interest margin 4.71%
Noninterest income to earning assets 1.23%
Noninterest expense to earning assets 2.98%
Net operating income to assets 1.54%
Return on assets (ROA) 1.58%
Pretax return on assets 2.44%
Return on equity (ROE) 12.22%
Retained earnings to average equity (YTD only) 3.81%
Net charge-offs to loans 0.20%
Credit loss provision to net charge-offs 74.17%
Efficiency ratio19.19%
Assets per employee$48,609
Cash dividends to net income (YTD only)4.64%
Condition Ratios (%)
Loss allowance to loans 68.78%
Loss allowance to noncurrent loans 2.33%
Noncurrent assets plus other real estate owned to assets 35.68%
Noncurrent loans to loans 5.52%
Net loans and leases to deposits6.52%
Net loans and leases to core deposits 75.72%
Equity capital to assets 87.62%
Core capital (leverage) ratio 13.37%
Tier 1 risk-based capital ratio 11.65%
Total risk-based capital ratio 15.68%
Memoranda
Average assets$17
Average earning assets$3,660,793
Average equity $473,263
Average loans $3,060,669
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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
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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
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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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