Central Bank and Trust Company in Hutchinson, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Central Bank and Trust Company in Hutchinson, Kansas (KS)
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Central Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 11772
    Status: Active
    Federal Reserve ID: 686655
    Bank Holding Company (Regulatory Top Holder): Central Financial Corporation (RSSDID: 1963120, Location: Hutchinson, KS)
    Date Established: April 22, 1915
    WWW: http://www.centralbank-kansas.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 10462
    FDIC's unique #: 7529
    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: 700 East 30th Avenue, Hutchinson, KS 67502
    County: Reno
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Hutchinson, KS (#26740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $231.8 mil
    Equity capital: $22.8 mil
    Deposits held in domestic offices: $199.5 mil
    Return on assets (ROA): 0.72% ($1.7 mil)
    Quarterly return on assets: 0.97% ($2.3 mil)
    Return on Equity (ROE): 7.52% ($1.7 mil)
    Quarterly return on equity: 9.72% ($2.2 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.75% ($1,738.5 mil)
    Quarterly Pretax return on assets: 1.01% ($2,341.1 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
  • 72Total employees (full-time equivalent)
  • $231,794Total assets
  • $37,435Cash and due from depository institutions
  • $27,060Interest-bearing balances
  • $43,531Securities
  • $541Federal funds sold & reverse repurchase agreements
  • $133,316Net loans & leases
  • $3,450Loan loss allowance
  • $0Trading account assets
  • $7,018Bank premises and fixed assets
  • $3,881Other real estate owned
  • $0Goodwill and other intangibles
  • $231,794Life insurance assets
  • $6,072All other assets
  • $208,977Total liabilities and capital
  • $199,516Total liabilities
  • $161,483Total deposits
  • $199,516Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,700Trading liabilities
  • $0Other borrowed funds
  • $761Subordinated debt
  • $22,817All other liabilities
  • $22,817Total equity capital
  • $22,817Total bank equity capital
  • $0Perpetual preferred stock
  • $3,547Common stock
  • $5,298Surplus
  • $13,972Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $189Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $592Income earned, not collected on loans
  • $0Earning assets
  • $1,061Long-term assets (5+ years)
  • $204,448Average Assets, year-to-date
  • $21,690Average Assets, quarterly
  • $228,069Volatile liabilities
  • $226,730Insider loans
  • $162,376FHLB advances
  • $226,065Loans and leases held for sale
  • $2,697Unused loan commitments
  • $2,697Tier 1 (core) risk-based capital
  • $22,180Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $38,027Restructured Loans and leases
  • $555Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,443Total interest income
  • $1,732Total interest expense
  • $7,711Net interest income
  • $1,407Provision for loan and lease losses
  • $2,454Total noninterest income
  • $1,247Fiduciary activities
  • $654Service charges on deposit accounts
  • $0Trading account gains & fees
  • $553Additional noninterest income
  • $7,045Total noninterest expense
  • $3,988Salaries and employee benefits
  • $958Premises and equipment expense
  • $2,099Additional noninterest expense
  • $1,713Pre-tax net operating income
  • $0Securities gains (losses)
  • $62Applicable income taxes
  • $1,651Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,651Net income attributable to bank
  • $0Net charge-offs
  • $1,651Cash dividends
  • $1,702Sale, conversion, retirement of capital stock, net
  • $363Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 3.82%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 3.49%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 7.52%Return on equity (ROE)
  • 5.87%Retained earnings to average equity (YTD only)
  • 1.22%Net charge-offs to loans
  • 82.67%Credit loss provision to net charge-offs
  • 1.83%Efficiency ratio
  • 69,306Assets per employee
  • 3.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.99%Loss allowance to loans
  • 2.52%Loss allowance to noncurrent loans
  • 582.77%Noncurrent assets plus other real estate owned to assets
  • 1.93%Noncurrent loans to loans
  • 0.43%Net loans and leases to deposits
  • 66.82%Net loans and leases to core deposits
  • 84.72%Equity capital to assets
  • 9.84%Core capital (leverage) ratio
  • 9.81%Tier 1 risk-based capital ratio
  • 13.66%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $228,069Average earning assets
  • $21,956Average equity
  • $201,940Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,504,415Managed Assets
  • 1Number of Accounts
  • $89,320Personal trust and agency accounts
  • $18,975Employee benefit-defined contribution accounts
  • $14,860Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $13,566Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $33,973Other fiduciary accounts
  • $7,946Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 844Number of Accounts
  • $0Personal trust and agency accounts
  • $13,499Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,415,095Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1,394,067Other fiduciary accounts
  • $19,715Fiduciary accounts held in foreign offices

List of branches

  • 6 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07529Central Bank And Trust Company700 East 30th Avenue, Hutchinson, KS 67502April 22, 1915Full Service Brick and Mortar
    1225531Drive-In Facility624 East 30th Avenue, Hutchinson, KS 67501September 09, 1974Full Service Brick and Mortar
    2225532Detached Facility1330 East 17th Street, Hutchinson, KS 67501June 23, 1977Limited Service Facility
    3274110Wichita Branch680 North Ridge Road, Wichita, KS 67212December 21, 1934Full Service Brick and Mortar
    4225533East Wichita Branch8411 East 21st Street, Wichita, KS 67206July 17, 1998Full Service Brick and Mortar
    5364390West Avenue A Branch101 West Avenue A, Hutchinson, KS 67501August 16, 2002Full Service Brick and Mortar

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