Central Bank - Herington in Herington, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1994

  • Central Bank - Herington in Herington, Kansas (KS)
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Central Bank - Herington - Overview

  • General
  • FDIC Certificate #: 12691
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Central National Bank (#4702)
    Federal Reserve ID: 933555
    Date Established: January 01, 1886
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 8050
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 01, 1994
    Last Structure Change Process Date: April 14, 1994
    Last Data Update: April 14, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Broadway, Herington, KS 67449
    County: Dickinson
    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
  • Financial Summary
  • Total assets: $44.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $21Total assets
  • $44,255Cash and due from depository institutions
  • $2,575Interest-bearing balances
  • $470Securities
  • $19,602Federal funds sold & reverse repurchase agreements
  • $750Net loans & leases
  • $19,847Loan loss allowance
  • $305Trading account assets
  • $0Bank premises and fixed assets
  • $332Other real estate owned
  • $91Goodwill and other intangibles
  • $1,042Life insurance assets
  • $16All other assets
  • $0Total liabilities and capital
  • $44,255Total liabilities
  • $39,863Total deposits
  • $39,503Interest-bearing deposits
  • $35,606Deposits held in domestic offices
  • 39503.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $186Subordinated debt
  • $0All other liabilities
  • $174Total equity capital
  • $174Total bank equity capital
  • $4,392Perpetual preferred stock
  • $0Common stock
  • $810Surplus
  • $2,068Undivided profits
  • Memoranda
  • $1,514Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $243Earning assets
  • $40,669Long-term assets (5+ years)
  • $1,905Average Assets, year-to-date
  • $43,899Average Assets, quarterly
  • $43,785Volatile liabilities
  • $1,786Insider loans
  • $217FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,468Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,376Total risk weighted assets
  • $22,109Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,957Total interest expense
  • $1,285Net interest income
  • $1,672Provision for loan and lease losses
  • $212Total noninterest income
  • $252Fiduciary activities
  • $0Service charges on deposit accounts
  • $48Trading account gains & fees
  • $0Additional noninterest income
  • $204Total noninterest expense
  • $1,221Salaries and employee benefits
  • $575Premises and equipment expense
  • $160Additional noninterest expense
  • $486Pre-tax net operating income
  • $491Securities gains (losses)
  • $71Applicable income taxes
  • $206Income before extraordinary items
  • $356Extraordinary gains - net
  • $587Net income attributable to bank
  • $943Net charge-offs
  • $242Cash dividends
  • $137Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.27%Cost of funding earning assets
  • 3.16%Net interest margin
  • 4.11%Noninterest income to earning assets
  • 0.62%Noninterest expense to earning assets
  • 3.00%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 2.15%Pretax return on assets
  • 2.62%Return on equity (ROE)
  • 22.65%Retained earnings to average equity (YTD only)
  • 19.36%Net charge-offs to loans
  • 1.32%Credit loss provision to net charge-offs
  • 87.60%Efficiency ratio
  • 63,358Assets per employee
  • 2.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 14.53%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 50.24%Net loans and leases to core deposits
  • 52.36%Equity capital to assets
  • 9.92%Core capital (leverage) ratio
  • 10.00%Tier 1 risk-based capital ratio
  • 19.79%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $43,899Average earning assets
  • $4,164Average equity
  • $40,684Average loans

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