Central Bank of Kansas City

2301 Independence Boulevard
Kansas City, MO 64124
www.centralbankkc.com

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Central Bank of Kansas City is headquartered in Kansas City and is the 136^th largest bank in the state of Missouri. It is also the 3,737^th largest bank in the nation. It was established in 1950 and as of December of 2011, it had grown to 72 employees at 6 locations. Central Bank of Kansas City has a 3-star health rating.

Central Bank of Kansas City Routing Number: 101019084

2.27% 15-Month CD at Central Bank of Kansas City - Local Only - 11/7/2009

I found this deal last night as I was reporting on yesterday's 5 bank failures. One of the banks that assumed the deposits of one of the 5 failed banks was Central Bank of Kansas City, and it is offering a special 15-month CD with a 2.27% APY. This CD...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Central Bank of Kansas City Checking Account Rates

Apy	Min	Max	Product
0.10%	$2,500	-	Premium Interest Checking Account
0.05%	-	-	Interest Checking Account

Central Bank of Kansas City Savings Account Rates

	Apy	Min	Max	Product
	0.15%	$100	-	Savings Account

Central Bank of Kansas City Money Market Rates

	Apy	Min	Max	Product
	0.50%	$1m	-	Money Market Checking Account

Central Bank of Kansas City CD Rates

Apy	Min	Max	Product
1.56%	$50k	-	5 Year CD
0.90%	$50k	-	3 Year CD
0.60%	$50k	-	2 Year CD
0.40%	$50k	-	1 Year CD
0.30%	$500	-	9 Month CD
0.25%	$50k	-	6 Month CD
0.20%	$50k	-	91 Day CD
0.20%	$500	-	182 Day CD
0.15%	$50k	-	28 Day CD

Central Bank of Kansas City IRA Rates

Apy	Min	Max	Product
0.85%	$500	-	36 Month IRA
0.55%	$500	-	24 Month IRA
0.35%	$500	-	12 Month IRA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

Central Bank of Kansas City
FDIC Certificate #	17009
BankRate Report	View
Year Established	1950
Employees	72
Primary Regulator	FDIC
Assets and Liabilities
Assets	$155.90 million
Loans	$96.36 million
Deposits	$121.64 million
Equity Capital	$23.06 million
Loan Loss Allowance	$2.95 million
Unbacked Noncurrent Loans	$4.67 million
Real Estate Owned	$4.35 million
Historic Data - December 2010
Assets	$171.44 million
Equity Capital	$23.75 million
Loan Loss Allowance	$3.41 million
Unbacked Noncurrent Loans	$6.62 million
Real Estate Owned	$5.14 million
Profit Margin - Quarterly
Net Interest Margin	4.61%
Return on Assets	0.09%
Return on Equity	0.62%
Interest Income	$7.48 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Central Bank of Kansas City had $9.03 million in non-current loans and owned real-estate with $26.02 million in equity and loan loss allowances on hand to cover it. This gives Central Bank of Kansas City a Texas Ratio of 34.70% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Central Bank of Kansas City decreased slightly from 43.29% as of December 31, 2010 to 34.70% as of December 31, 2011, resulting in a positive change of 19.85%.This indicates that the balance sheet and financial strength for Central Bank of Kansas City has improved slightly in recent periods.
Deposit Growth
In the past year, Central Bank of Kansas City has decreased its total deposits by -$4.92 million, resulting in -3.89% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Central Bank of Kansas City has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Central Bank of Kansas City has $155.9 million in assets with $26.02 million in equity, resulting in a capitalization level of 16.69%, which is excellent.