The Centennial Bank in Breckenridge Hills, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 01, 2001

  • The Centennial Bank in Breckenridge Hills, Missouri (MO)
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The Centennial Bank - Overview

  • General
  • FDIC Certificate #: 27356
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commerce Bank (#24998)
    Federal Reserve ID: 1218035
    Date Established: October 07, 1988
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 39630
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 07, 1988
    Last Structure Change Effective Date: March 01, 2001
    Last Structure Change Process Date: March 15, 2001
    Last Data Update: March 15, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 9850 St. Charles Rock Road, Breckenridge Hills, MO 63074
    County: St. Louis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • Financial Summary
  • Total assets: $267.6 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 57Total employees (full-time equivalent)
  • $267,641Total assets
  • $27,095Cash and due from depository institutions
  • $0Interest-bearing balances
  • $33,982Securities
  • $8,860Federal funds sold & reverse repurchase agreements
  • $187,765Net loans & leases
  • $2,417Loan loss allowance
  • $0Trading account assets
  • $5,967Bank premises and fixed assets
  • $1,390Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,582All other assets
  • $267,641Total liabilities and capital
  • $248,420Total liabilities
  • $225,798Total deposits
  • $198,144Interest-bearing deposits
  • $225,798Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $21,070Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,552All other liabilities
  • $19,221Total equity capital
  • $19,221Total bank equity capital
  • $19,221Perpetual preferred stock
  • $0Common stock
  • $1,806Surplus
  • $10,786Undivided profits
  • Memoranda
  • $6,629Noncurrent loans and leases
  • $35,046Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $204Earning assets
  • $0Long-term assets (5+ years)
  • $1,032Average Assets, year-to-date
  • $230,607Average Assets, quarterly
  • $757Volatile liabilities
  • $254,317Insider loans
  • $269,937FHLB advances
  • $32,723Loans and leases held for sale
  • $14,274Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $35,046Total unused commitments
  • $0Restructured Loans and leases
  • $2,417Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $20,236Total interest income
  • $11,253Total interest expense
  • $8,983Net interest income
  • $1,020Provision for loan and lease losses
  • $532Total noninterest income
  • $0Fiduciary activities
  • $268Service charges on deposit accounts
  • $0Trading account gains & fees
  • $264Additional noninterest income
  • $5,181Total noninterest expense
  • $2,702Salaries and employee benefits
  • $745Premises and equipment expense
  • $1,734Additional noninterest expense
  • $3,314Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,050Applicable income taxes
  • $2,264Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,264Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $540Sale, conversion, retirement of capital stock, net
  • $86Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.26%Yield on earning assets
  • 5.15%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.37%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 12.51%Return on equity (ROE)
  • 12.03%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 188.89%Credit loss provision to net charge-offs
  • 8.03%Efficiency ratio
  • 54,451Assets per employee
  • 4.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3.80%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 1184.80%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 83.16%Net loans and leases to core deposits
  • 87.68%Equity capital to assets
  • 7.18%Core capital (leverage) ratio
  • 7.13%Tier 1 risk-based capital ratio
  • 9.62%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $254,317Average earning assets
  • $18,098Average equity
  • $218,531Average loans

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