The Central Trust Bank

The Central Trust Bank is headquartered in Jefferson City and is the 9^th largest bank in the state of Missouri. It is also the 311^st largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 510 employees at 13 locations. The Central Trust Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Central Trust Bank FDIC Certificate # 12633 BankRate Report View Year Established 1902 Employees 510 Primary Regulator FDIC Assets and Liabilities Assets $2.26 billion Loans $692.80 million Deposits $1.26 billion Equity Capital $190.81 million Loan Loss Allowance $14.54 million Unbacked Noncurrent Loans $8.68 million Real Estate Owned $1.04 million Historic Data - March 2011 Assets $1.95 billion Equity Capital $164.49 million Loan Loss Allowance $13.95 million Unbacked Noncurrent Loans $7.46 million Real Estate Owned $1.39 million Profit Margin - Quarterly Net Interest Margin 2.5% Return on Assets 1.2% Return on Equity 13.69% Interest Income $14.33 million

Institution Health Overall Score: 4 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 March 31, 2012 The Central Trust Bank had $9.72 million in non-current loans and owned real-estate with $205.35 million in equity and loan loss allowances on hand to cover it. This gives The Central Trust Bank a Texas Ratio of 4.73% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Central Trust Bank held steady from 4.99% as of March 31, 2011 to 4.73% as of March 31, 2012, resulting in a positive change of 5.10%.This indicates that the balance sheet and financial strength for The Central Trust Bank has held steady in recent periods. Deposit Growth In the past year, The Central Trust Bank has decreased its total deposits by -$16.43 million, resulting in -1.29% 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 The Central Trust Bank 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. The Central Trust Bank has $2.26 billion in assets with $205.35 million in equity, resulting in a capitalization level of 9.08%, which is average.

No reviews have been left for this bank yet. Be the first to review.