Central National Bank in Junction City, Kansas (KS), NE
Overview, Financial Summary, Detailed Financial Reports, Branches


Central National Bank - Overview

  • General
  • FDIC Certificate #: 4702
    Status: Active
    Federal Reserve ID: 234355
    Bank Holding Company (Regulatory Top Holder): Central Of Kansas, Inc. (RSSDID: 1064429, Location: Junction City, KS)
    Date Established: January 01, 1884
    WWW: http://www.centralnational.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 40 (Domestic: 40, Interstate: Yes)
    OTS Docket #: 14145
    FDIC's unique #: 3126
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural 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: 802 North Washington Street, Junction City, KS 66441
    County: Geary
    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
    Core Based Statistical Area (CBSA): Manhattan, KS (#31740)
    CBSA Metro Statistical Area: Manhattan, KS (#31740)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $889.7 mil
    Equity capital: $97.4 mil
    Deposits held in domestic offices: $775.7 mil
    Return on assets (ROA): 0.56% ($5.0 mil)
    Quarterly return on assets: 0.35% ($3.1 mil)
    Return on Equity (ROE): 5.05% ($4.9 mil)
    Quarterly return on equity: 3.07% ($3.0 mil)
    Net income: $4.8 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.64% ($5,694.1 mil)
    Quarterly Pretax return on assets: 0.30% ($2,669.1 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
  • 299Total employees (full-time equivalent)
  • $889,704Total assets
  • $127,973Cash and due from depository institutions
  • $105,111Interest-bearing balances
  • $239,807Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $439,558Net loans & leases
  • $9,526Loan loss allowance
  • $0Trading account assets
  • $17,795Bank premises and fixed assets
  • $9,017Other real estate owned
  • $13,694Goodwill and other intangibles
  • $889,704Life insurance assets
  • $41,860All other assets
  • $792,261Total liabilities and capital
  • $775,699Total liabilities
  • $616,344Total deposits
  • $775,699Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 12481.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,308Trading liabilities
  • $0Other borrowed funds
  • $2,773Subordinated debt
  • $97,443All other liabilities
  • $97,443Total equity capital
  • $97,443Total bank equity capital
  • $0Perpetual preferred stock
  • $20,000Common stock
  • $30,380Surplus
  • $47,063Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $41,140Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,430Income earned, not collected on loans
  • $1,101Earning assets
  • $5,995Long-term assets (5+ years)
  • $784,476Average Assets, year-to-date
  • $198,342Average Assets, quarterly
  • $849,441Volatile liabilities
  • $861,892Insider loans
  • $515,079FHLB advances
  • $859,808Loans and leases held for sale
  • $23,131Unused loan commitments
  • $19,607Tier 1 (core) risk-based capital
  • $90,343Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,524Total unused commitments
  • $72,740Restructured Loans and leases
  • $6,167Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $29,894Total interest income
  • $5,055Total interest expense
  • $24,839Net interest income
  • $0Provision for loan and lease losses
  • $17,670Total noninterest income
  • $1,872Fiduciary activities
  • $5,136Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10,662Additional noninterest income
  • $37,095Total noninterest expense
  • $19,387Salaries and employee benefits
  • $4,384Premises and equipment expense
  • $13,324Additional noninterest expense
  • $5,414Pre-tax net operating income
  • $5Securities gains (losses)
  • $631Applicable income taxes
  • $4,788Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,788Net income attributable to bank
  • $0Net charge-offs
  • $4,788Cash dividends
  • $1,731Sale, conversion, retirement of capital stock, net
  • $1,700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.01%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 3.33%Net interest margin
  • 2.37%Noninterest income to earning assets
  • 4.98%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 5.05%Return on equity (ROE)
  • 3.26%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 3.13%Efficiency ratio
  • 86,690Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.51%Loss allowance to loans
  • 2.12%Loss allowance to noncurrent loans
  • 83.34%Noncurrent assets plus other real estate owned to assets
  • 2.30%Noncurrent loans to loans
  • 2.55%Net loans and leases to deposits
  • 56.67%Net loans and leases to core deposits
  • 57.47%Equity capital to assets
  • 10.95%Core capital (leverage) ratio
  • 10.51%Tier 1 risk-based capital ratio
  • 17.54%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $849,441Average earning assets
  • $94,868Average equity
  • $744,942Average 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
  • $167,642Managed Assets
  • 1Number of Accounts
  • $158,001Personal trust and agency accounts
  • $65,994Employee benefit-defined contribution accounts
  • $16,808Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $28,037Corporate trust and agency accounts
  • $129Investment management agency accounts
  • $38,537Other fiduciary accounts
  • $8,496Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 856Number of Accounts
  • $0Personal trust and agency accounts
  • $28,037Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $9,641Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $9,641Fiduciary accounts held in foreign offices

List of branches

  • 33 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03126Central National Bank802 North Washington Street, Junction City, KS 66441January 01, 1884Full Service Brick and Mortar
    1204005Motor Bank Branch116 West 8th Street, Junction City, KS 66441December 20, 1963Limited Service Facility
    3263738Junction City Branch540 West 6th Street, Junction City, KS 66441January 01, 1924Full Service Brick and Mortar
    4204007Topeka Branch800 Quincy, Topeka, KS 66601October 01, 1991Full Service Brick and Mortar
    547361Newton Branch626 North Main, Newton, KS 67114October 28, 1991Full Service Brick and Mortar
    6282051Halstead Branch101 North Main Street, Halstead, KS 67056June 13, 1955Full Service Brick and Mortar
    7282054Hesston Branch711 East Lincoln, Hesston, KS 67062June 13, 1955Full Service Brick and Mortar
    88050Herington Branch101 South Broadway, Herington, KS 67449January 01, 1886Full Service Brick and Mortar
    933223White City Branch101 East Mackenzie, White City, KS 66872January 09, 1986Full Service Brick and Mortar
    113147Marion Branch231 East Main, Marion, KS 66861January 01, 1917Full Service Brick and Mortar
    12282052Hillsboro Branch206 North Main, Hillsboro, KS 67063June 13, 1955Full Service Brick and Mortar
    14204009Lawrence Branch603 West 9th Street, Lawrence, KS 66044March 16, 1995Full Service Brick and Mortar
    15204010Wichita Branch4838 West Central, Wichita, KS 67212June 26, 1995Full Service Brick and Mortar
    163110Gypsum Valley Branch600 Maple Street, Gypsum, KS 67448March 14, 1910Full Service Brick and Mortar
    17204011Salina Branch454 South Ohio, Salina, KS 67401November 21, 1996Full Service Brick and Mortar
    18204012West Lawrence Branch711 Wakarusa, Lawrence, KS 66047Febuary 17, 1998Full Service Brick and Mortar
    193146Mankato Branch208 East South, Mankato, KS 66956January 01, 1883Full Service Brick and Mortar
    2111745Tipton Branch509 Main, Tipton, KS 67485May 07, 1929Full Service Brick and Mortar
    2212013Glen Elder Branch101 South Mill, Glen Elder, KS 67446March 02, 1906Full Service Brick and Mortar
    23208216Beloit Branch120 East Main, Beloit, KS 67420December 31, 1997Full Service Brick and Mortar
    25291952Junction City Walmart Branch521 East Chestnut Street, Junction City, KS 66441March 29, 2000Full Service Retail
    26364779Salina Walmart Branch2900 South 9th, Salina, KS 67402December 17, 2001Full Service Retail
    27364780Lawrence Branch3110 Neider Road, Lawrence, KS 66047May 20, 2002Full Service Brick and Mortar
    29428083Manhattan Wal-Mart Branch101 East Bluemont Avenue, Manhattan, KS 66502March 17, 2004Full Service Retail
    30430595Www.Centralnational.com Branch800 Se Quincy, Topeka, KS 66612July 01, 2003Full Service Cyber
    333072201 South Fourth Street Branch201 South Fourth Street, Burlington, KS 66839April 28, 1884Full Service Brick and Mortar
    353106Concordia Branch130 East Seventh Street, Concordia, KS 66901April 01, 1890Full Service Brick and Mortar
    37444298Manhattan Branch1403 College Avenue, Manhattan, KS 66502August 01, 2005Full Service Brick and Mortar
    38445647Gardner Main Branch205 North Moonlight Road, Gardner, KS 66030October 17, 2005Full Service Brick and Mortar
    39452935Lawrence Wal-Mart Branch3300 Iowa St. P.O. Box 4404, Lawrence, KS 66046May 30, 2006Full Service Brick and Mortar
    40452936Finance And Administration Branch100 Rimrock, Junction City, KS 66441Febuary 16, 2006Limited Service Administrative
    42457099Gardner Wal-Mart Branch1555 East Santa Fe Street, Gardner, KS 66030October 18, 2006Full Service Brick and Mortar
    43492973Junction City Ash Street Branch1801 W. Ash Street, Junction City, KS 66441April 30, 2009Full Service Brick and Mortar
  • 2 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    247941Superior Branch411 North National Street, Superior, NE 68978January 01, 1916Full Service Brick and Mortar
    41452937Mortgage Department BranchP.O. Box 268, Superior, NE 68978June 30, 2006Limited Service Administrative

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