Central Bank of Kansas City in Kansas City, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Central Bank of Kansas City - Overview

  • General
  • FDIC Certificate #: 17009
    Status: Active
    Federal Reserve ID: 751852
    Bank Holding Company (Regulatory Top Holder): Central Bancshares Of Kansas City, Inc. (RSSDID: 1063084, Location: Kansas City, MO)
    Date Established: August 10, 1950
    WWW: http://www.centralbankkc.com
    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 #: 11634
    FDIC's unique #: 11081
    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: March 01, 1951
    Last Structure Change Effective Date: June 13, 2011
    Last Structure Change Process Date: June 13, 2011
    Last Data Update: June 13, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2301 Independence Boulevard, Kansas City, MO 64124
    County: Jackson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $155.9 mil
    Equity capital: $23.1 mil
    Deposits held in domestic offices: $121.6 mil
    Return on assets (ROA): 0.09% ($0.1 mil)
    Quarterly return on assets: 0.31% ($0.5 mil)
    Return on Equity (ROE): 0.62% ($0.1 mil)
    Quarterly return on equity: 2.12% ($0.5 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.10% ($155.9 mil)
    Quarterly Pretax return on assets: 0.29% ($452.1 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)
  • $155,902Total assets
  • $44,801Cash and due from depository institutions
  • $34,153Interest-bearing balances
  • $1,321Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $96,364Net loans & leases
  • $2,951Loan loss allowance
  • $0Trading account assets
  • $1,973Bank premises and fixed assets
  • $4,354Other real estate owned
  • $2,522Goodwill and other intangibles
  • $155,902Life insurance assets
  • $4,567All other assets
  • $132,838Total liabilities and capital
  • $121,641Total liabilities
  • $77,148Total deposits
  • $121,641Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,750Trading liabilities
  • $0Other borrowed funds
  • $447Subordinated debt
  • $23,064All other liabilities
  • $23,064Total equity capital
  • $23,064Total bank equity capital
  • $0Perpetual preferred stock
  • $1,380Common stock
  • $14,729Surplus
  • $6,955Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,672Income earned, not collected on loans
  • $0Earning assets
  • $383Long-term assets (5+ years)
  • $131,838Average Assets, year-to-date
  • $6,482Average Assets, quarterly
  • $167,698Volatile liabilities
  • $157,369Insider loans
  • $98,704FHLB advances
  • $154,478Loans and leases held for sale
  • $2,089Unused loan commitments
  • $2,089Tier 1 (core) risk-based capital
  • $20,441Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,059Restructured Loans and leases
  • $209Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,475Total interest income
  • $831Total interest expense
  • $6,644Net interest income
  • $2,834Provision for loan and lease losses
  • $5,290Total noninterest income
  • $0Fiduciary activities
  • $1,374Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,916Additional noninterest income
  • $8,938Total noninterest expense
  • $4,069Salaries and employee benefits
  • $774Premises and equipment expense
  • $4,095Additional noninterest expense
  • $162Pre-tax net operating income
  • $0Securities gains (losses)
  • $18Applicable income taxes
  • $144Income before extraordinary items
  • $0Extraordinary gains - net
  • $144Net income attributable to bank
  • $0Net charge-offs
  • $144Cash dividends
  • $3,297Sale, conversion, retirement of capital stock, net
  • $800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 4.61%Net interest margin
  • 3.67%Noninterest income to earning assets
  • 6.21%Noninterest expense to earning assets
  • 0.09%Net operating income to assets
  • 0.09%Return on assets (ROA)
  • 0.10%Pretax return on assets
  • 0.62%Return on equity (ROE)
  • -2.81%Retained earnings to average equity (YTD only)
  • 2.95%Net charge-offs to loans
  • 85.96%Credit loss provision to net charge-offs
  • 0.91%Efficiency ratio
  • 74,728Assets per employee
  • 2.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 555.56%Loss allowance to loans
  • 2.97%Loss allowance to noncurrent loans
  • 63.16%Noncurrent assets plus other real estate owned to assets
  • 5.79%Noncurrent loans to loans
  • 4.70%Net loans and leases to deposits
  • 79.22%Net loans and leases to core deposits
  • 93.91%Equity capital to assets
  • 14.79%Core capital (leverage) ratio
  • 13.23%Tier 1 risk-based capital ratio
  • 20.71%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $167,698Average earning assets
  • $23,358Average equity
  • $143,985Average loans

List of branches

  • 6 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011081Central Bank Of Kansas City2301 Independence Boulevard, Kansas City, MO 64124August 10, 1950Full Service Brick and Mortar
    1240157Drive-In Branch3740 Truman Road, Kansas City, MO 64127Febuary 14, 1973Limited Service Facility
    2240158Broadway Branch3600 Broadway, Kansas City, MO 64111December 31, 1999Full Service Brick and Mortar
    5262393Kansas City Branch666 East Red Bridge Road, Kansas City, MO 64131January 01, 1894Full Service Brick and Mortar
    6419495North Oak Branch7101 North Oak Trafficway, Kansas City, MO 64118August 19, 2002Full Service Brick and Mortar
    813251Gateway Bank Of St Louis Branch3412 North Union Boulevard, Saint Louis, MO 63115June 18, 1965Full Service Brick and Mortar

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