CoreFirst Bank & Trust in Topeka, Kansas (KS), CO
Overview, Financial Summary, Detailed Financial Reports, Branches


  • CoreFirst Bank & Trust in Topeka, Kansas (KS), CO
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CoreFirst Bank & Trust - Overview

  • General
  • FDIC Certificate #: 18100
    Status: Active
    Federal Reserve ID: 361055
    Bank Holding Company (Regulatory Top Holder): Commerce Bank And Trust Holding Company Employee Stock Ownership Plan (RSSDID: 2883298, Location: Topeka, KS)
    Date Established: November 30, 1959
    WWW: http://www.cbtks.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 35 (Domestic: 35, Interstate: Yes)
    OTS Docket #: 11298
    FDIC's unique #: 12022
    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: November 30, 1959
    Last Structure Change Effective Date: September 21, 2007
    Last Structure Change Process Date: October 03, 2007
    Last Data Update: October 03, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 3035 South Topeka Avenue, Topeka, KS 66611
    County: Shawnee
    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: Western
    Metropolitan Statistical Area (MSA): Topeka, KS (#8440)
    Core Based Statistical Area (CBSA): Topeka, KS (#45820)
    CBSA Metro Statistical Area: Topeka, KS (#45820)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Corrections
  • Financial Summary
  • Total assets: $1,154.4 mil
    Equity capital: $106.6 mil
    Deposits held in domestic offices: $811.4 mil
    Return on assets (ROA): 0.06% ($0.7 mil)
    Quarterly return on assets: -0.43% (-$5.0 mil)
    Return on Equity (ROE): 0.72% ($0.8 mil)
    Quarterly return on equity: -4.63% (-$5.0 mil)
    Net income: $0.7 mil
    Quarterly Net income: -$1.2 mil
    Pretax return on assets: 0.07% ($808.1 mil)
    Quarterly Pretax return on assets: -0.45% (-$5,194.9 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
  • 400Total employees (full-time equivalent)
  • $1,154,428Total assets
  • $32,405Cash and due from depository institutions
  • $7,466Interest-bearing balances
  • $424,735Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $591,894Net loans & leases
  • $11,231Loan loss allowance
  • $0Trading account assets
  • $46,830Bank premises and fixed assets
  • $14,692Other real estate owned
  • $0Goodwill and other intangibles
  • $1,154,428Life insurance assets
  • $41,872All other assets
  • $1,047,854Total liabilities and capital
  • $811,399Total liabilities
  • $756,868Total deposits
  • $811,399Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 103668.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $132,250Trading liabilities
  • $0Other borrowed funds
  • $537Subordinated debt
  • $106,574All other liabilities
  • $106,574Total equity capital
  • $106,574Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $29,659Surplus
  • $74,915Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,539Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $30,155Income earned, not collected on loans
  • $0Earning assets
  • $4,288Long-term assets (5+ years)
  • $1,026,095Average Assets, year-to-date
  • $417,454Average Assets, quarterly
  • $1,182,357Volatile liabilities
  • $1,167,614Insider loans
  • $755,700FHLB advances
  • $1,166,224Loans and leases held for sale
  • $20,406Unused loan commitments
  • $20,406Tier 1 (core) risk-based capital
  • $102,261Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $135,243Restructured Loans and leases
  • $33,841Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $47,205Total interest income
  • $11,048Total interest expense
  • $36,157Net interest income
  • $6,905Provision for loan and lease losses
  • $12,627Total noninterest income
  • $2,678Fiduciary activities
  • $5,957Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,992Additional noninterest income
  • $43,192Total noninterest expense
  • $21,736Salaries and employee benefits
  • $8,707Premises and equipment expense
  • $12,749Additional noninterest expense
  • -$1,313Pre-tax net operating income
  • $2,125Securities gains (losses)
  • $76Applicable income taxes
  • $736Income before extraordinary items
  • $0Extraordinary gains - net
  • $736Net income attributable to bank
  • $0Net charge-offs
  • $736Cash dividends
  • $9,176Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.44%Net interest margin
  • 1.20%Noninterest income to earning assets
  • 4.11%Noninterest expense to earning assets
  • -0.10%Net operating income to assets
  • 0.06%Return on assets (ROA)
  • 0.07%Pretax return on assets
  • 0.72%Return on equity (ROE)
  • 0.72%Retained earnings to average equity (YTD only)
  • 1.45%Net charge-offs to loans
  • 75.25%Credit loss provision to net charge-offs
  • 0.61%Efficiency ratio
  • 88,537Assets per employee
  • 2.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 37.24%Noncurrent assets plus other real estate owned to assets
  • 3.88%Noncurrent loans to loans
  • 5.00%Net loans and leases to deposits
  • 72.95%Net loans and leases to core deposits
  • 75.35%Equity capital to assets
  • 9.23%Core capital (leverage) ratio
  • 8.77%Tier 1 risk-based capital ratio
  • 13.53%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,182,357Average earning assets
  • $102,582Average equity
  • $1,049,791Average 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
  • $424,580Managed Assets
  • 1Number of Accounts
  • $336,214Personal trust and agency accounts
  • $174,905Employee benefit-defined contribution accounts
  • $20,437Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $13,897Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $109,445Other fiduciary accounts
  • $17,530Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 733Number of Accounts
  • $0Personal trust and agency accounts
  • $13,897Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $88,366Other retirement accounts
  • $51,463Corporate trust and agency accounts
  • $8,633Other fiduciary accounts
  • $13,992Fiduciary accounts held in foreign offices

List of branches

  • 12 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    30482160Centennial Quebec Branch8200 S Quebec St, Centennial, CO 80112October 29, 2008Full Service Brick and Mortar
    31482161Denver Tech Center Branch4600 S Syracuse St, Denver, CO 80237October 27, 2008Full Service Brick and Mortar
    32486615Corefirst Bank & Trust - Safeway #276220 East 14th Avenue, Denver, CO 80220November 10, 2008Full Service Retail
    33486616Corefirst Bank & Trust - Safeway #1918730 East Hampden Avenue, Aurora, CO 80013November 17, 2008Full Service Retail
    34486617Corefirst Bank & Trust - Safeway #1920153 East Smoky Hill Road, Centennial, CO 80015October 20, 2008Full Service Retail
    35486618Corefirst Bank & Trust6100 S Gun Club Road, Aurora, CO 80016November 17, 2008Full Service Brick and Mortar
    37490679Corefirst Bank & Trust4000 Red Cedar Drive, Highlands Ranch, CO 80126May 21, 2009Full Service Retail
    38491105Parker-Lincoln Avenue Branch17031 E Lincoln Ave, Parker, CO 80134June 01, 2009Full Service Brick and Mortar
    40492505Denver - Colorado Branch2750 South Colorado Boulevard, Denver, CO 80222July 13, 2009Full Service Retail
    41492693Aurora Havana Branch1155 South Havana Street, Aurora, CO 80012July 20, 2009Full Service Retail
    43494889Corefirst Bank & TrustSouth University Boulevard, Highlands Ranch, CO 80126September 21, 2009Full Service Retail
    48506071Corefirst - Vallagio10130 E. Dry Creek Road, Englewood, CO 80112March 16, 2010Full Service Brick and Mortar
  • 23 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012022Corefirst Bank & Trust3035 South Topeka Avenue, Topeka, KS 66611November 30, 1959Full Service Brick and Mortar
    2243867West Branch4900 Southwest 29th Street, Topeka, KS 66614April 20, 1974Full Service Brick and Mortar
    3243868Kansas Avenue Branch830 South Kansas Avenue, Topeka, KS 66612November 01, 1986Full Service Brick and Mortar
    4243869Gage Avenue Branch1106 Sw Gage Blvd, Topeka, KS 66604December 30, 1986Full Service Brick and Mortar
    511565Walmart Topeka Branch1501 S.W. Wanamaker Road, Topeka, KS 66604August 01, 1898Full Service Retail
    6242297Corefirst Bank & Trust - Dillons Bra5311 Sw 22nd Place, Topeka, KS 66614Febuary 17, 1988Full Service Retail
    7242298Dillons East Branch2010 S.E. 29th Street, Topeka, KS 66605Febuary 17, 1988Full Service Retail
    11243872Wanamaker Branch2129 Southwest Wanamaker Road, Topeka, KS 66614July 12, 1996Full Service Brick and Mortar
    14243875Emporia Branch1440 Industrial Road, Emporia, KS 66801December 02, 1997Full Service Brick and Mortar
    16243877Brewster Place Branch1205 Sw 29th Street, Topeka, KS 66611January 14, 2000Full Service Brick and Mortar
    17243878Hunters Ridge Branch4610 Nw Fielding Road, Topeka, KS 66618January 13, 2000Full Service Brick and Mortar
    19243880Hearthstone Branch3515 Sw 6th St, Topeka, KS 66606Febuary 10, 2000Full Service Brick and Mortar
    21358963Dillons Urish Branch6829 Southwest 29th Street, Topeka, KS 66614October 25, 2000Full Service Retail
    22360731Dillons North Branch800 Northwest 25th Street, Topeka, KS 66618July 18, 2001Full Service Retail
    23364965Emporia Downtown Branch701 Merchant St, Emporia, KS 66801May 06, 2002Full Service Brick and Mortar
    254339073701 Southwest Wanamaker Branch3701 Southwest Wanamaker Road, Topeka, KS 66610December 16, 2004Full Service Brick and Mortar
    2946964175th & Switzer Branch7430 Switzer St, Shawnee, KS 66203December 05, 2007Full Service Brick and Mortar
    36490252Corefirst Bank & Trust2010 Nw Central Avenue, Topeka, KS 66608April 27, 2009Full Service Brick and Mortar
    42492786Dillons Manhattan Branch1000 Westloop Place, Manhattan, KS 66502August 18, 2008Full Service Retail
    45495820Corefirst Bank & Trust11875 South Ridgeview Road, Olathe, KS 66061October 21, 2009Full Service Brick and Mortar
    46499331Croco Branch2841 Se Croco Rd, Topeka, KS 66605December 09, 2009Full Service Brick and Mortar
    47499956Lenexa Ridge Branch16201 West 95th Street, Lenexa, KS 66219Febuary 11, 2009Full Service Brick and Mortar
    49510792Leawood-State Line Branch12220 State Line Rd, Leawood, KS 66209August 02, 2010Full Service Brick and Mortar

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