Central Bank & Trust Co.

Central Bank & Trust Co. is headquartered in Lexington and is the 4^th largest bank in the state of Kentucky. It is also the 365^th largest bank in the nation. It was established in 1938 and as of December of 2011, it had grown to 438 employees at 23 locations. Central Bank & Trust Co. has a 3-star health rating.

Central Bank & Trust Co. Routing Number: 042100146

Data for Q4 2011

Central Bank & Trust Co. consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

15815 - Central Bank & Trust Co.
34153 - Central Bank of Jefferson County

Institution Statistics Central Bank & Trust Co. OTS # 14545 FDIC Certificate # 15815 BankRate Report View Year Established 1938 Employees 438 Primary Regulator FDIC Assets and Liabilities Assets $1.91 billion Loans $1.44 billion Deposits $1.65 billion Equity Capital $171.58 million Loan Loss Allowance $26.03 million Unbacked Noncurrent Loans $43.87 million Real Estate Owned $21.96 million Historic Data - December 2010 Assets $1.76 billion Equity Capital $146.69 million Loan Loss Allowance $17.00 million Unbacked Noncurrent Loans $20.33 million Real Estate Owned $16.78 million Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 0.63% Return on Equity 7.07% Interest Income $83.48 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 & Trust Co. had $65.83 million in non-current loans and owned real-estate with $197.61 million in equity and loan loss allowances on hand to cover it. This gives Central Bank & Trust Co. a Texas Ratio of 33.31% 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 & Trust Co. increased slightly from 22.62% as of December 31, 2010 to 33.31% as of December 31, 2011, resulting in a negative change of 47.27%. This indicates that the balance sheet and financial strength for Central Bank & Trust Co. has declined slightly in recent periods. Deposit Growth In the past year, Central Bank & Trust Co. has increased its total deposits by $128.15 million, resulting in 8.43% 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 & Trust Co. has shown is excellent. 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 & Trust Co. has $1.91 billion in assets with $197.61 million in equity, resulting in a capitalization level of 10.35%, which is above average.

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