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

Central Bank - Overview

  • General
  • FDIC Certificate #: 1057
    Status: Active
    Federal Reserve ID: 924759
    Bank Holding Company (Regulatory Top Holder): Central Missouri Shares, Inc. (RSSDID: 3150278, Location: Lebanon, MO)
    Date Established: June 17, 1917
    WWW: http://www.central-bank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 13034
    FDIC's unique #: 707
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 West Commercial Street, Lebanon, MO 65536
    County: Laclede
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Lebanon, MO (#30060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $240.9 mil
    Equity capital: $27.6 mil
    Deposits held in domestic offices: $201.2 mil
    Return on assets (ROA): 0.96% ($2.3 mil)
    Quarterly return on assets: 0.37% ($0.9 mil)
    Return on Equity (ROE): 8.67% ($2.4 mil)
    Quarterly return on equity: 3.26% ($0.9 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.96% ($2,312.6 mil)
    Quarterly Pretax return on assets: 0.38% ($915.4 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
  • 86Total employees (full-time equivalent)
  • $240,896Total assets
  • $9,515Cash and due from depository institutions
  • $7,131Interest-bearing balances
  • $40,081Securities
  • $224Federal funds sold & reverse repurchase agreements
  • $174,835Net loans & leases
  • $3,967Loan loss allowance
  • $0Trading account assets
  • $5,186Bank premises and fixed assets
  • $1,444Other real estate owned
  • $0Goodwill and other intangibles
  • $240,896Life insurance assets
  • $9,611All other assets
  • $213,323Total liabilities and capital
  • $201,155Total liabilities
  • $164,514Total deposits
  • $201,155Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 2493.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,500Trading liabilities
  • $0Other borrowed funds
  • $2,175Subordinated debt
  • $27,573All other liabilities
  • $27,573Total equity capital
  • $27,573Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $5,550Surplus
  • $21,523Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,772Income earned, not collected on loans
  • $19Earning assets
  • $970Long-term assets (5+ years)
  • $222,271Average Assets, year-to-date
  • $38,272Average Assets, quarterly
  • $246,259Volatile liabilities
  • $243,324Insider loans
  • $195,604FHLB advances
  • $242,217Loans and leases held for sale
  • $4,365Unused loan commitments
  • $1,771Tier 1 (core) risk-based capital
  • $27,037Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,594Total unused commitments
  • $17,437Restructured Loans and leases
  • $2,157Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,074Total interest income
  • $2,233Total interest expense
  • $9,841Net interest income
  • $810Provision for loan and lease losses
  • $1,533Total noninterest income
  • $0Fiduciary activities
  • $843Service charges on deposit accounts
  • $0Trading account gains & fees
  • $690Additional noninterest income
  • $8,191Total noninterest expense
  • $4,600Salaries and employee benefits
  • $1,218Premises and equipment expense
  • $2,373Additional noninterest expense
  • $2,373Pre-tax net operating income
  • $0Securities gains (losses)
  • $14Applicable income taxes
  • $2,359Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,359Net income attributable to bank
  • $0Net charge-offs
  • $2,359Cash dividends
  • $603Sale, conversion, retirement of capital stock, net
  • $1,665Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 4.38%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.65%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 8.67%Return on equity (ROE)
  • 2.55%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 134.33%Credit loss provision to net charge-offs
  • 5.28%Efficiency ratio
  • 72,015Assets per employee
  • 2.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.58%Loss allowance to loans
  • 2.22%Loss allowance to noncurrent loans
  • 223.87%Noncurrent assets plus other real estate owned to assets
  • 1.34%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 86.92%Net loans and leases to core deposits
  • 91.42%Equity capital to assets
  • 11.45%Core capital (leverage) ratio
  • 11.16%Tier 1 risk-based capital ratio
  • 13.82%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $246,259Average earning assets
  • $27,206Average equity
  • $224,639Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0707Central Bank101 West Commercial Street, Lebanon, MO 65536June 17, 1917Full Service Brick and Mortar
    1187793Conway FacilityState Highways Y And Cc, Conway, MO 65632August 07, 1978Full Service Brick and Mortar
    2187794Central Bank-South Facility1419 South Jefferson, Lebanon, MO 65536September 27, 1982Full Service Brick and Mortar
    3187795Lynn Street Branch950 Lynn Street, Lebanon, MO 65536December 23, 1996Full Service Brick and Mortar
    4187796Wal-Mart Central Branch1800 South Jefferson, Lebanon, MO 65536Febuary 17, 1998Full Service Retail

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