The First National Bank of Centralia in Centralia, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Centralia - Overview

  • General
  • FDIC Certificate #: 4636
    Status: Active
    Federal Reserve ID: 922157
    Bank Holding Company (Regulatory Top Holder): First Centralia Bancshares, Inc. (RSSDID: 1067916, Location: Centralia, KS)
    Date Established: April 18, 1882
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14301
    FDIC's unique #: 3074
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 28, 2009
    Last Structure Change Process Date: March 03, 2009
    Last Data Update: March 03, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 620 Fourth Street, Centralia, KS 66415
    County: Nemaha
    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
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $105.9 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $80.2 mil
    Return on assets (ROA): 1.36% ($1.4 mil)
    Quarterly return on assets: 1.35% ($1.4 mil)
    Return on Equity (ROE): 10.39% ($1.6 mil)
    Quarterly return on equity: 9.63% ($1.4 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.41% ($1,493.0 mil)
    Quarterly Pretax return on assets: 1.41% ($1,493.0 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
  • 28Total employees (full-time equivalent)
  • $105,883Total assets
  • $2,659Cash and due from depository institutions
  • $756Interest-bearing balances
  • $49,966Securities
  • $290Federal funds sold & reverse repurchase agreements
  • $46,803Net loans & leases
  • $877Loan loss allowance
  • $0Trading account assets
  • $1,712Bank premises and fixed assets
  • $0Other real estate owned
  • $559Goodwill and other intangibles
  • $105,883Life insurance assets
  • $3,894All other assets
  • $90,862Total liabilities and capital
  • $80,247Total liabilities
  • $69,943Total deposits
  • $80,247Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 3376.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $239Subordinated debt
  • $15,021All other liabilities
  • $15,021Total equity capital
  • $15,021Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $3,800Surplus
  • $10,621Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $63Income earned, not collected on loans
  • $0Earning assets
  • $898Long-term assets (5+ years)
  • $97,815Average Assets, year-to-date
  • $35,919Average Assets, quarterly
  • $104,955Volatile liabilities
  • $106,839Insider loans
  • $62,467FHLB advances
  • $107,814Loans and leases held for sale
  • $1,512Unused loan commitments
  • $1,512Tier 1 (core) risk-based capital
  • $12,149Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,435Restructured Loans and leases
  • $1,106Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,663Total interest income
  • $1,039Total interest expense
  • $3,624Net interest income
  • $0Provision for loan and lease losses
  • $608Total noninterest income
  • $0Fiduciary activities
  • $251Service charges on deposit accounts
  • $0Trading account gains & fees
  • $357Additional noninterest income
  • $2,723Total noninterest expense
  • $1,776Salaries and employee benefits
  • $393Premises and equipment expense
  • $554Additional noninterest expense
  • $1,509Pre-tax net operating income
  • -$25Securities gains (losses)
  • $59Applicable income taxes
  • $1,425Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,425Net income attributable to bank
  • $0Net charge-offs
  • $1,425Cash dividends
  • $29Sale, conversion, retirement of capital stock, net
  • $885Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 2.78%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 10.39%Return on equity (ROE)
  • 3.94%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 52.03%Efficiency ratio
  • 64,343Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.11%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 1392.06%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 58.32%Net loans and leases to core deposits
  • 72.30%Equity capital to assets
  • 14.19%Core capital (leverage) ratio
  • 11.27%Tier 1 risk-based capital ratio
  • 19.45%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $104,955Average earning assets
  • $13,714Average equity
  • $97,987Average loans

List of branches

  • 4 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03074The First National Bank Of Centralia620 Fourth Street, Centralia, KS 66415April 18, 1882Full Service Brick and Mortar
    1271466Seneca Branch906 North St., Seneca, KS 66538January 01, 1921Full Service Brick and Mortar
    2450410Corning Branch510 Main Street, Corning, KS 66417March 03, 2006Full Service Brick and Mortar
    310581Vermillion BranchMain Street, Vermillion, KS 66544April 10, 1946Full Service Brick and Mortar

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