Vitals
  • Total Assets
    747.2M 6.2 %
  • Total Deposits
    663.0M 5.5 %
  • Total Net Loans
    636.4M 4.8 %
  • Net Income
    6.7M -7.2 %
  • Book Value
    65.6M -10.4 %
  • Book Value x2
    131.2M -10.4 %
  • Book Value x3
    196.7M -10.4 %
ROAA

.927

ROAE

10.181

Efficiency Ratio

70.323

Net Interest Margin

4.071

Balance Sheet Highlights
Financial Highlights Central Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 747,213 198,346
Total Net Loans 636,383 133,864
Total Deposits 663,048 165,124
Total Equity 65,576 22,060
Profitability
Net Income 6,707 2,310
Return on Average Assets .927 1.15
Return on Average Equity 10.181 9.92
Net Interest Margin 4.071 3.587
Efficiency Ratio 70.323 60.34
Noninterest Income/Revenue 23.386 13.494
Balance Sheet Ratios
Loan-to-Deposit 95.978 77.091
Securities/Assets .055 .197
Total Equity/Total Assets .088 .111
Tangible Equity/Tangible Assets .086 .107
Capital Adequacy
Tier 1 Common Capital 63,714 21,135
Tier 1 Capital 63,714 21,140
Tier 2 Capital 7,170 1,625
Total Capital 70,884 22,777
Total Risk Weighted Assets 690,547 151,308
Leverage Ratio 8.7 10.944
Common Equity Tier 1 Capital Ratio 9.23 15.631
Tier 1 Capital Ratio 9.23 15.631
Total Capital Ratio 10.26 16.675

Timeline for Central Bank

Lakes Bancorporation, Inc.

Acquisition: Central Bank acquired a new subsidiary, Lakes Bancorporation, Inc. , 9 years

View Profile Jan 01 2015

Liberty Bank, F.S.B.

Acquisition: Central Bank acquired a new subsidiary, Liberty Bank, F.S.B., 10 years

View Profile Dec 28 2013

Real Estate Owned, Llc

Real Estate Owned, Llc became a new subsidiary organization for Central Bank.

View Profile Dec 22 2013

Central Florida Real Estate Owned, Llc

Central Florida Real Estate Owned, Llc became a new subsidiary organization for Central Bank.

View Profile Dec 18 2013

Security State Bank

Acquisition: Central Bank acquired a new subsidiary, Security State Bank, 21 years

View Profile Oct 28 2002

Want to see more?

Complete timeline for Central Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Lakes Bancorporation, Inc. Seller Pooling of Interests Discontinued 1/1/2015
Liberty Bank, F.S.B. Seller 267,458 Sale of Assets 12/28/2013
Security State Bank Seller 38,799 Pooling of Interests Discontinued 10/28/2002
First Security Banshares, Inc. Seller Pooling of Interests Discontinued 10/28/2002
Central Trust Investment, Inc. Seller Pooling of Interests Discontinued 12/15/2001
Central Trust And Savings Bank Seller 66,379 Pooling of Interests Discontinued 12/15/2001
Relationships Role Relationship Start Relationship End
Commercial Financial Corp. Parent 1/1/2015
Commercial Financial Corp. Parent 10/28/2002 12/31/2014
Lakes Bancorporation, Inc. Parent 10/28/2002 12/31/2014
Commercial Financial Corp. Parent 6/5/1992 10/27/2002
Milford Holdings, Inc. Subsidary 6/30/2007
Real Estate Owned, Llc Subsidary 12/22/2013
Central Florida Real Estate Owned, Llc Subsidary 12/18/2013
Milford Holdings, Inc. Subsidary 10/28/2002 6/29/2007
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