First Central Bank in Warrensburg, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Central Bank in Warrensburg, Missouri (MO)
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First Central Bank - Overview

  • General
  • FDIC Certificate #: 25268
    Status: Active
    Federal Reserve ID: 386852
    Bank Holding Company (Regulatory Top Holder): Central Bancompany (RSSDID: 1094314, Location: Jefferson City, MO)
    Date Established: July 16, 1984
    WWW: http://www.firstcentral.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 17472
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: July 16, 1984
    Last Structure Change Effective Date: August 12, 2010
    Last Structure Change Process Date: August 12, 2010
    Last Data Update: August 12, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 North Maguire Street, Warrensburg, MO 64093
    County: Johnson
    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
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Warrensburg, MO (#47660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $208.1 mil
    Equity capital: $35.7 mil
    Deposits held in domestic offices: $167.4 mil
    Return on assets (ROA): 1.17% ($2.4 mil)
    Quarterly return on assets: 1.20% ($2.5 mil)
    Return on Equity (ROE): 6.82% ($2.5 mil)
    Quarterly return on equity: 6.92% ($2.5 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.75% ($3,641.3 mil)
    Quarterly Pretax return on assets: 1.78% ($3,703.8 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
  • 62Total employees (full-time equivalent)
  • $208,077Total assets
  • $17,411Cash and due from depository institutions
  • $13,453Interest-bearing balances
  • $60,994Securities
  • $1,394Federal funds sold & reverse repurchase agreements
  • $107,010Net loans & leases
  • $2,850Loan loss allowance
  • $0Trading account assets
  • $3,100Bank premises and fixed assets
  • $760Other real estate owned
  • $15,352Goodwill and other intangibles
  • $208,077Life insurance assets
  • $2,056All other assets
  • $172,395Total liabilities and capital
  • $167,419Total liabilities
  • $131,927Total deposits
  • $167,419Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 4628.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $348Subordinated debt
  • $35,682All other liabilities
  • $35,682Total equity capital
  • $35,682Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $34,312Surplus
  • $1,120Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,474Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $837Income earned, not collected on loans
  • $0Earning assets
  • $1,100Long-term assets (5+ years)
  • $182,851Average Assets, year-to-date
  • $31,517Average Assets, quarterly
  • $211,376Volatile liabilities
  • $208,818Insider loans
  • $127,905FHLB advances
  • $196,445Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,762Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,219Restructured Loans and leases
  • $731Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,870Total interest income
  • $1,302Total interest expense
  • $7,568Net interest income
  • $578Provision for loan and lease losses
  • $2,772Total noninterest income
  • $0Fiduciary activities
  • $1,104Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,668Additional noninterest income
  • $6,062Total noninterest expense
  • $2,685Salaries and employee benefits
  • $564Premises and equipment expense
  • $2,813Additional noninterest expense
  • $3,700Pre-tax net operating income
  • $1Securities gains (losses)
  • $1,234Applicable income taxes
  • $2,467Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,467Net income attributable to bank
  • $0Net charge-offs
  • $2,467Cash dividends
  • $357Sale, conversion, retirement of capital stock, net
  • $3,300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 4.07%Net interest margin
  • 1.49%Noninterest income to earning assets
  • 3.26%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.75%Pretax return on assets
  • 6.82%Return on equity (ROE)
  • -2.30%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 161.90%Credit loss provision to net charge-offs
  • 11.98%Efficiency ratio
  • 55,658Assets per employee
  • 3.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 133.77%Loss allowance to loans
  • 2.59%Loss allowance to noncurrent loans
  • 340.50%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 63.92%Net loans and leases to core deposits
  • 71.10%Equity capital to assets
  • 17.15%Core capital (leverage) ratio
  • 10.57%Tier 1 risk-based capital ratio
  • 16.23%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $211,376Average earning assets
  • $36,153Average equity
  • $185,950Average loans

List of branches

  • 7 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017472First Central Bank401 North Maguire Street, Warrensburg, MO 64093July 16, 1984Full Service Brick and Mortar
    215958Higginsville Branch401-415 Fairground Avenue, Higginsville, MO 64037April 11, 1979Full Service Brick and Mortar
    3255433Odessa Branch416 North Second Street, Odessa, MO 64076December 09, 1991Full Service Brick and Mortar
    55296Bank Of Holden Branch123 West Second Street, Holden, MO 64040May 13, 1872Full Service Brick and Mortar
    7218267Bank Of Holden/Warrensburg South1310 South Highway 13, Warrensburg, MO 64093May 05, 1997Full Service Brick and Mortar
    9362107Holden Drive-Thru Branch206 South Market, Holden, MO 64040January 28, 2001Limited Service Facility
    10493063Www.Firstcentral.net Branch2116 Nelwood Drive, Columbia, MO 65202January 01, 2009Full Service Cyber

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