Central Federal Savings and Loan Association of Rolla in Rolla, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Central Federal Savings and Loan Association of Rolla in Rolla, Missouri (MO)
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Central Federal Savings and Loan Association of Rolla - Overview

  • General
  • FDIC Certificate #: 30664
    Status: Active
    Federal Reserve ID: 544577
    Date Established: January 01, 1952
    WWW: http://www.centralfederal.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 5710
    FDIC's unique #: 43498
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 30, 1953
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 210 W 10th St, Rolla, MO 65401
    County: Phelps
    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): Rolla, MO (#40620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $64.5 mil
    Equity capital: $13.0 mil
    Deposits held in domestic offices: $51.3 mil
    Return on assets (ROA): 0.30% ($0.2 mil)
    Quarterly return on assets: -0.14% (-$0.1 mil)
    Return on Equity (ROE): 1.46% ($0.2 mil)
    Quarterly return on equity: -0.71% (-$0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.43% ($277.1 mil)
    Quarterly Pretax return on assets: -0.45% (-$290.0 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
  • 16Total employees (full-time equivalent)
  • $64,452Total assets
  • $5,356Cash and due from depository institutions
  • $4,339Interest-bearing balances
  • $3Securities
  • $1,766Federal funds sold & reverse repurchase agreements
  • $54,480Net loans & leases
  • $232Loan loss allowance
  • $0Trading account assets
  • $751Bank premises and fixed assets
  • $1,399Other real estate owned
  • $0Goodwill and other intangibles
  • $64,452Life insurance assets
  • $697All other assets
  • $51,415Total liabilities and capital
  • $51,344Total liabilities
  • $49,307Total deposits
  • $51,344Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $71Subordinated debt
  • $13,037All other liabilities
  • $13,037Total equity capital
  • $13,037Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $13,037Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $180Income earned, not collected on loans
  • $0Earning assets
  • $169Long-term assets (5+ years)
  • $60,588Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $62,991Volatile liabilities
  • $63,694Insider loans
  • $38,233FHLB advances
  • $64,459Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,044Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,722Restructured Loans and leases
  • $399Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,056Total interest income
  • $769Total interest expense
  • $2,287Net interest income
  • $310Provision for loan and lease losses
  • $69Total noninterest income
  • $0Fiduciary activities
  • $6Service charges on deposit accounts
  • $0Trading account gains & fees
  • $63Additional noninterest income
  • $1,774Total noninterest expense
  • $1,032Salaries and employee benefits
  • $419Premises and equipment expense
  • $323Additional noninterest expense
  • $272Pre-tax net operating income
  • $0Securities gains (losses)
  • $83Applicable income taxes
  • $189Income before extraordinary items
  • $0Extraordinary gains - net
  • $189Net income attributable to bank
  • $0Net charge-offs
  • $189Cash dividends
  • $349Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 0.30%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 1.46%Return on equity (ROE)
  • 1.46%Retained earnings to average equity (YTD only)
  • 0.63%Net charge-offs to loans
  • 88.83%Credit loss provision to net charge-offs
  • 1.67%Efficiency ratio
  • 75,297Assets per employee
  • 4.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.42%Loss allowance to noncurrent loans
  • 128.89%Noncurrent assets plus other real estate owned to assets
  • 2.45%Noncurrent loans to loans
  • 0.33%Net loans and leases to deposits
  • 106.11%Net loans and leases to core deposits
  • 117.09%Equity capital to assets
  • 20.23%Core capital (leverage) ratio
  • 20.24%Tier 1 risk-based capital ratio
  • 34.12%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $62,991Average earning assets
  • $12,964Average equity
  • $59,466Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043498Central Federal Savings And Loan Ass210 W 10th St, Rolla, MO 65401January 01, 1952Full Service Brick and Mortar

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