First Central Bank in Warrensburg, Missouri (MO)



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First Central Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal 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)
Total employees (full-time equivalent)62
Total assets$208,077
Cash and due from depository institutions$17,411
Interest-bearing balances$13,453
Securities$60,994
Federal funds sold & reverse repurchase agreements$1,394
Net loans & leases$107,010
Loan loss allowance $2,850
Trading account assets$0
Bank premises and fixed assets$3,100
Other real estate owned$760
Goodwill and other intangibles$15,352
All other assets$2,056
Life insurance assets$208,077
Total liabilities and capital$172,395
Total liabilities$167,419
Total deposits$131,927
Interest-bearing deposits$167,419
Deposits held in domestic offices$94
% insured (estimated)4628.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $348
All other liabilities $35,682
Total equity capital$35,682
Total bank equity capital$35,682
Perpetual preferred stock$0
Common stock$250
Surplus$34,312
Undivided profits $1,120
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,474
Income earned, not collected on loans $837
Earning assets $0
Long-term assets (5+ years) $1,100
Average Assets, year-to-date $182,851
Average Assets, quarterly $31,517
Volatile liabilities $211,376
Insider loans $208,818
FHLB advances $127,905
Loans and leases held for sale $196,445
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $20,762
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $17,219
Derivatives$731
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,870
Total interest expense $1,302
Net interest income $7,568
Provision for loan and lease losses $578
Total noninterest income $2,772
Fiduciary activities $0
Service charges on deposit accounts $1,104
Trading account gains & fees $0
Additional noninterest income $1,668
Total noninterest expense $6,062
Salaries and employee benefits $2,685
Premises and equipment expense $564
Additional noninterest expense $2,813
Pre-tax net operating income $3,700
Securities gains (losses) $1
Applicable income taxes $1,234
Income before extraordinary items $2,467
Extraordinary gains - net $0
Net income attributable to bank $2,467
Net charge-offs $0
Cash dividends $2,467
Sale, conversion, retirement of capital stock, net $357
Net operating income $3,300
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.77%
Cost of funding earning assets 0.70%
Net interest margin 4.07%
Noninterest income to earning assets 1.49%
Noninterest expense to earning assets 3.26%
Net operating income to assets 1.17%
Return on assets (ROA) 1.17%
Pretax return on assets 1.75%
Return on equity (ROE) 6.82%
Retained earnings to average equity (YTD only) -2.30%
Net charge-offs to loans 0.32%
Credit loss provision to net charge-offs 161.90%
Efficiency ratio11.98%
Assets per employee$55,658
Cash dividends to net income (YTD only)3.36%
Condition Ratios (%)
Loss allowance to loans 133.77%
Loss allowance to noncurrent loans 2.59%
Noncurrent assets plus other real estate owned to assets 340.50%
Noncurrent loans to loans 0.77%
Net loans and leases to deposits0.76%
Net loans and leases to core deposits 63.92%
Equity capital to assets 71.10%
Core capital (leverage) ratio 17.15%
Tier 1 risk-based capital ratio 10.57%
Total risk-based capital ratio 16.23%
Memoranda
Average assets$17
Average earning assets$211,376
Average equity $36,153
Average loans $185,950
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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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