Central Bank in Lebanon, Missouri (MO)



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Central Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)86
Total assets$240,896
Cash and due from depository institutions$9,515
Interest-bearing balances$7,131
Securities$40,081
Federal funds sold & reverse repurchase agreements$224
Net loans & leases$174,835
Loan loss allowance $3,967
Trading account assets$0
Bank premises and fixed assets$5,186
Other real estate owned$1,444
Goodwill and other intangibles$0
All other assets$9,611
Life insurance assets$240,896
Total liabilities and capital$213,323
Total liabilities$201,155
Total deposits$164,514
Interest-bearing deposits$201,155
Deposits held in domestic offices$85
% insured (estimated)2493.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,500
Other borrowed funds $0
Subordinated debt $2,175
All other liabilities $27,573
Total equity capital$27,573
Total bank equity capital$27,573
Perpetual preferred stock$0
Common stock$500
Surplus$5,550
Undivided profits $21,523
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,772
Earning assets $19
Long-term assets (5+ years) $970
Average Assets, year-to-date $222,271
Average Assets, quarterly $38,272
Volatile liabilities $246,259
Insider loans $243,324
FHLB advances $195,604
Loans and leases held for sale $242,217
Unused loan commitments $4,365
Tier 1 (core) risk-based capital $1,771
Tier 2 risk-based capital $27,037
Total risk weighted assets $0
Total unused commitments $2,594
Restructured Loans and leases $17,437
Derivatives$2,157
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,074
Total interest expense $2,233
Net interest income $9,841
Provision for loan and lease losses $810
Total noninterest income $1,533
Fiduciary activities $0
Service charges on deposit accounts $843
Trading account gains & fees $0
Additional noninterest income $690
Total noninterest expense $8,191
Salaries and employee benefits $4,600
Premises and equipment expense $1,218
Additional noninterest expense $2,373
Pre-tax net operating income $2,373
Securities gains (losses) $0
Applicable income taxes $14
Income before extraordinary items $2,359
Extraordinary gains - net $0
Net income attributable to bank $2,359
Net charge-offs $0
Cash dividends $2,359
Sale, conversion, retirement of capital stock, net $603
Net operating income $1,665
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.37%
Cost of funding earning assets 0.99%
Net interest margin 4.38%
Noninterest income to earning assets 0.68%
Noninterest expense to earning assets 3.65%
Net operating income to assets 0.96%
Return on assets (ROA) 0.96%
Pretax return on assets 0.96%
Return on equity (ROE) 8.67%
Retained earnings to average equity (YTD only) 2.55%
Net charge-offs to loans 0.34%
Credit loss provision to net charge-offs 134.33%
Efficiency ratio5.28%
Assets per employee$72,015
Cash dividends to net income (YTD only)2.80%
Condition Ratios (%)
Loss allowance to loans 70.58%
Loss allowance to noncurrent loans 2.22%
Noncurrent assets plus other real estate owned to assets 223.87%
Noncurrent loans to loans 1.34%
Net loans and leases to deposits0.99%
Net loans and leases to core deposits 86.92%
Equity capital to assets 91.42%
Core capital (leverage) ratio 11.45%
Tier 1 risk-based capital ratio 11.16%
Total risk-based capital ratio 13.82%
Memoranda
Average assets$15
Average earning assets$246,259
Average equity $27,206
Average loans $224,639
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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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