Centera Bank in Sublette, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Centera Bank - Overview

  • General
  • FDIC Certificate #: 16436
    Status: Active
    Federal Reserve ID: 51459
    Bank Holding Company (Regulatory Top Holder): Santa Fe Trail Banc Shares, Inc. (RSSDID: 1057289, Location: Sublette, KS)
    Date Established: October 18, 1937
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 15669
    FDIC's unique #: 10606
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: May 31, 1946
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: September 28, 2010
    Last Data Update: September 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 119 South Inman Street, Sublette, KS 67877
    County: Haskell
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $237.6 mil
    Equity capital: $23.2 mil
    Deposits held in domestic offices: $213.4 mil
    Return on assets (ROA): 1.29% ($3.1 mil)
    Quarterly return on assets: 0.85% ($2.0 mil)
    Return on Equity (ROE): 13.75% ($3.2 mil)
    Quarterly return on equity: 8.46% ($1.9 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.34% ($3,184.4 mil)
    Quarterly Pretax return on assets: 0.85% ($2,019.9 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
  • 54Total employees (full-time equivalent)
  • $237,640Total assets
  • $8,945Cash and due from depository institutions
  • $3,838Interest-bearing balances
  • $111,597Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $105,116Net loans & leases
  • $1,196Loan loss allowance
  • $950Trading account assets
  • $3,865Bank premises and fixed assets
  • $0Other real estate owned
  • $1,352Goodwill and other intangibles
  • $237,640Life insurance assets
  • $5,815All other assets
  • $214,470Total liabilities and capital
  • $213,361Total liabilities
  • $170,317Total deposits
  • $213,361Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $143Trading liabilities
  • $0Other borrowed funds
  • $966Subordinated debt
  • $23,170All other liabilities
  • $23,170Total equity capital
  • $23,170Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $6,400Surplus
  • $16,570Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $131Income earned, not collected on loans
  • $0Earning assets
  • $2,169Long-term assets (5+ years)
  • $221,501Average Assets, year-to-date
  • $73,363Average Assets, quarterly
  • $229,740Volatile liabilities
  • $232,712Insider loans
  • $132,053FHLB advances
  • $232,875Loans and leases held for sale
  • $2,637Unused loan commitments
  • $2,637Tier 1 (core) risk-based capital
  • $18,445Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $33,831Restructured Loans and leases
  • $619Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,453Total interest income
  • $1,545Total interest expense
  • $7,908Net interest income
  • $176Provision for loan and lease losses
  • $1,298Total noninterest income
  • $0Fiduciary activities
  • $910Service charges on deposit accounts
  • $0Trading account gains & fees
  • $388Additional noninterest income
  • $5,960Total noninterest expense
  • $3,598Salaries and employee benefits
  • $621Premises and equipment expense
  • $1,741Additional noninterest expense
  • $3,070Pre-tax net operating income
  • $9Securities gains (losses)
  • $116Applicable income taxes
  • $2,963Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,963Net income attributable to bank
  • $0Net charge-offs
  • $2,963Cash dividends
  • $122Sale, conversion, retirement of capital stock, net
  • $1,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.29%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 13.75%Return on equity (ROE)
  • 8.18%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 144.26%Credit loss provision to net charge-offs
  • 26.61%Efficiency ratio
  • 64,740Assets per employee
  • 4.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.50%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 912.98%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.12%Net loans and leases to deposits
  • 49.27%Net loans and leases to core deposits
  • 51.09%Equity capital to assets
  • 9.75%Core capital (leverage) ratio
  • 7.92%Tier 1 risk-based capital ratio
  • 13.97%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $229,740Average earning assets
  • $21,546Average equity
  • $212,127Average loans

List of branches

  • 6 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010606Centera Bank119 South Inman Street, Sublette, KS 67877October 18, 1937Full Service Brick and Mortar
    111058Satanta Branch110 North Sequoyah Street, Satanta, KS 67870October 04, 1950Full Service Brick and Mortar
    211627Greensburg Branch135 South Main Street, Greensburg, KS 67054January 01, 1906Full Service Brick and Mortar
    4242477Dodge City Branch14th Avenue And Soule Street, Dodge City, KS 67801October 07, 1996Full Service Brick and Mortar
    5360904Administrative Office BranchHwy 56, Sublette, KS 67877September 01, 1999Limited Service Administrative
    66995Minneola Branch113 Main Street, Minneola, KS 67865September 11, 1915Full Service Brick and Mortar

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