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
No
ID
Name
Address
Established
Service Type
Map
0
43498
Central Federal Savings And Loan Ass
210 W 10th St, Rolla, MO 65401
January 01, 1952
Full Service Brick and Mortar
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Central Federal Savings and Loan Association of Rolla
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