Central Bank & Trust Company Mortgage Rates, Fees & Info
Lexington, KY
LEI: 549300C5GU86M1X2DG56
Tax ID: 61-0153605
5 stars
-
out of 5 stars, based on 53 reviews
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Mortgage Data
Bank Data
Overview
Central Bank & Trust Company is a
smaller
bank
specializing in
Refi and Home Purchase loans.
Central Bank & Trust Company has a high proportion of conventional loans.
They have a a low proportion of FHA loans. (This may mean they shy away from
first time homebuyers.)
They have a low ratio of USDA loans.
Their top markets include Lexington, Cincinnati, Louisville/jefferson County, Richmond, and Miami among others. Central Bank & Trust Company has
an above average
approval rate for mortages when compared nationally.
They have
a below average
pick rate when compared to the same sample of other lendors.
Central Bank & Trust Company is typically
a low fee
lendor.
Originations
2,795
Origination Dollar Volume (All Markets)
$728,685,000
Employee count
514
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Central Bank & Trust Company - 2021
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Relative Rate
Central Bank & Trust Company's average 30 year fixed rate mortgage of loans were
2.88%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.27%.
Relative Fees
Central Bank & Trust Company's average total fees for a 30 year fixed rate
mortgage are $2,403.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
|
LEXINGTON-FAYETTE, KY (FHA|USDA|VA)
|
1,786
|
$401,940,000 |
$225,050 |
$2,140 |
2.91% |
|
CINCINNATI, OH-KY-IN (FHA|USDA|VA)
|
419
|
$184,315,000 |
$439,893 |
$2,373 |
2.89% |
|
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA)
|
270
|
$62,270,000 |
$230,630 |
$2,291 |
3.09% |
|
Richmond-Berea, KY (FHA|USDA|VA)
|
136
|
$26,570,000 |
$195,368 |
$2,393 |
2.86% |
|
Outside of Metro Areas
|
85 |
$13,535,000 |
$159,235 |
$2,428 |
2.94% |
|
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA)
|
4
|
$7,560,000 |
$1,890,000 |
$12,396 |
3.72% |
|
DAYTON-KETTERING, OH (FHA|USDA|VA)
|
3
|
$6,845,000 |
$2,281,667 |
$0 |
3.83% |
|
Frankfort, KY (FHA|USDA|VA)
|
23
|
$4,035,000 |
$175,435 |
$2,066 |
2.82% |
|
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA)
|
2
|
$2,620,000 |
$1,310,000 |
$5,758 |
3.13% |
|
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA)
|
2
|
$2,400,000 |
$1,200,000 |
$8,121 |
3.44% |
|
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA)
|
1
|
$1,845,000 |
$1,845,000 |
$9,296 |
3.50% |
|
Danville, KY (FHA|USDA|VA)
|
11
|
$1,825,000 |
$165,909 |
$2,922 |
3.04% |
|
Mount Sterling, KY (FHA|USDA|VA)
|
13
|
$1,625,000 |
$125,000 |
$1,955 |
3.04% |
|
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA)
|
2
|
$1,050,000 |
$525,000 |
$4,218 |
2.50% |
|
London, KY (FHA|USDA|VA)
|
5
|
$935,000 |
$187,000 |
$2,972 |
2.55% |
|
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA)
|
1
|
$885,000 |
$885,000 |
$5,044 |
3.50% |
|
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA)
|
3
|
$745,000 |
$248,333 |
$2,337 |
2.33% |
|
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA)
|
3
|
$735,000 |
$245,000 |
$2,657 |
3.46% |
|
Somerset, KY (FHA|USDA|VA)
|
3
|
$675,000 |
$225,000 |
$3,707 |
2.63% |
|
Bardstown, KY (FHA|USDA|VA)
|
3
|
$645,000 |
$215,000 |
$2,117 |
2.54% |
|
Maysville, KY (FHA|USDA|VA)
|
4
|
$590,000 |
$147,500 |
$2,890 |
2.44% |
|
Sevierville, TN (FHA|USDA|VA)
|
2
|
$570,000 |
$285,000 |
$2,817 |
3.75% |
|
RALEIGH-CARY, NC (FHA|USDA|VA)
|
1
|
$545,000 |
$545,000 |
$2,855 |
2.88% |
|
Brevard, NC (FHA|USDA|VA)
|
1
|
$545,000 |
$545,000 |
$2,153 |
3.00% |
|
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA)
|
1
|
$475,000 |
$475,000 |
$3,287 |
2.75% |
|
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA)
|
1
|
$415,000 |
$415,000 |
$3,513 |
2.75% |
|
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA)
|
1
|
$405,000 |
$405,000 |
$1,712 |
2.25% |
|
ROCHESTER, MN (FHA|USDA|VA)
|
1
|
$365,000 |
$365,000 |
$2,331 |
3.13% |
|
COLUMBUS, OH (FHA|USDA|VA)
|
1
|
$335,000 |
$335,000 |
$2,145 |
2.63% |
|
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA)
|
1
|
$305,000 |
$305,000 |
$2,659 |
2.88% |
|
PUNTA GORDA, FL (FHA|USDA|VA)
|
1
|
$285,000 |
$285,000 |
$0 |
2.88% |
|
CLARKSVILLE, TN-KY (FHA|USDA|VA)
|
1
|
$245,000 |
$245,000 |
$2,149 |
2.25% |
|
MONROE, MI (FHA|USDA|VA)
|
1
|
$245,000 |
$245,000 |
$0 |
3.75% |
|
BOWLING GREEN, KY (FHA|USDA|VA)
|
1
|
$125,000 |
$125,000 |
$1,892 |
2.75% |
|
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA)
|
1
|
$105,000 |
$105,000 |
$0 |
4.75% |
|
OWENSBORO, KY (FHA|USDA|VA)
|
1
|
$75,000 |
$75,000 |
$2,073 |
2.63% |
Central Bank & Trust Company's top markets include Lexington, Cincinnati, Louisville/jefferson County, Richmond, and Miami among others.
Product Mix
| Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Conventional |
2,688 |
$704,960,000 |
$262,262 |
$2,124 |
2.94% |
| VA |
48 |
$12,560,000 |
$261,667 |
$3,626 |
2.41% |
| FHA |
36 |
$7,280,000 |
$202,222 |
$5,850 |
2.69% |
| USDA |
23 |
$3,885,000 |
$168,913 |
$3,935 |
2.53% |
For the 2021 period, Central Bank & Trust Company's most frequently
originated loan type
of loans were Conventional, with 2,688 originations.
Their 2nd most popular type is VA,
with 48 originations.
Loan Reason
| Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Refi |
1,240 |
$280,120,000 |
$225,903 |
$1,955 |
2.81% |
| Home Purchase |
705 |
$300,285,000 |
$425,936 |
$2,726 |
3.07% |
| Cash Out Refi |
395 |
$97,685,000 |
$247,304 |
$2,228 |
2.74% |
| Other |
328 |
$39,150,000 |
$119,360 |
$2,294 |
3.09% |
| Home Improvement |
127 |
$11,445,000 |
$90,118 |
$1,956 |
3.43% |
For the 2021, Central Bank & Trust Company's most frequently cited loan
purpose
of loans were Refi, with 1,240
originations.
The 2nd most popular reason of loans were Home Purchase,
with 705 originations.
Loan Duration/Length
| Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 30 Year |
1,286 |
$369,430,000 |
$287,271 |
$2,403 |
2.88% |
| 10 Year |
688 |
$61,460,000 |
$89,331 |
$1,847 |
3.14% |
| 15 Year |
458 |
$113,120,000 |
$246,987 |
$2,011 |
2.35% |
| 5 Year |
201 |
$117,645,000 |
$585,299 |
$336 |
3.54% |
| 20 Year |
84 |
$20,280,000 |
$241,429 |
$2,108 |
2.70% |
| Other |
46 |
$37,130,000 |
$807,174 |
$993 |
3.83% |
| 1 Year |
25 |
$8,335,000 |
$333,400 |
$1,917 |
4.04% |
| 3 Year |
7 |
$1,285,000 |
$183,571 |
$11 |
3.94% |
For the 2021, Central Bank & Trust Company's most frequently cited loan
length
of loans were 30 Year, with 1,286 originations.
The 2nd most popular length of loans were 10 Year,
with 688 originations.
Origination Fees
| Origination Fee |
Originations |
Total Value |
Average Loan |
| $<1k |
1,832 |
$504,720,000 |
$275,502 |
| $1k-2k |
10 |
$3,650,000 |
$365,000 |
| $2k-3k |
6 |
$1,540,000 |
$256,667 |
| $3k-4k |
1 |
$325,000 |
$325,000 |
$2,403 of loans were Central Bank & Trust Company's
average total fees, while their most
frequently occuring range of origination fees were in the
$<1k bucket,
with 1,832 originations.
Interest Rates
| Loan Rate |
Originations |
Total Value |
Average Loan |
| <2.5% |
1,004 |
$188,660,000 |
$187,908 |
| 2.5-3% |
878 |
$228,650,000 |
$260,421 |
| 3-4% |
611 |
$278,475,000 |
$455,769 |
| 4-5% |
302 |
$32,900,000 |
$108,940 |
During 2021, Central Bank & Trust Company's average interest
rate of loans were 2.88%, while their
most frequently originated rate bucket of loans were <2.5%,
with 1,004 originations.
Loan Sizing
| Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100k-200k |
901 |
$133,085,000 |
$147,708 |
$2,007 |
2.86% |
| $200k-400k |
872 |
$241,950,000 |
$277,466 |
$2,298 |
2.82% |
| $100,000 or less |
649 |
$37,365,000 |
$57,573 |
$1,663 |
3.16% |
| $400k-600k |
280 |
$134,460,000 |
$480,214 |
$2,697 |
2.78% |
| $600k-1MM |
64 |
$47,580,000 |
$743,438 |
$2,807 |
3.40% |
| $1MM+ |
29 |
$134,245,000 |
$4,629,138 |
$6,532 |
3.51% |
2021 saw Central Bank & Trust Company place emphasis on
$100k-200k loans
with 901 originations, totaling
$133,085,000 in origination value.
Applicant Income
| Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100k-150k |
547 |
$121,615,000 |
$222,331 |
$2,216 |
2.83% |
| $50k-75k |
466 |
$72,220,000 |
$154,979 |
$2,214 |
2.92% |
| $250k+ |
444 |
$174,050,000 |
$392,005 |
$2,576 |
2.99% |
| $150k-250k |
415 |
$110,855,000 |
$267,120 |
$2,246 |
2.93% |
| $75k-100k |
386 |
$70,300,000 |
$182,124 |
$2,248 |
2.89% |
| $50k or less |
339 |
$36,535,000 |
$107,773 |
$2,111 |
2.90% |
Central Bank & Trust Company lent most frequently to those with incomes in the
$100k-150k range, with
547 originations.
The second most popular income band? $50k-75k,
with 466 originations.
Applicant Debt to Income Ratio
| DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-30% |
826 |
$186,950,000 |
$226,332 |
$2,227 |
2.87% |
| <20% |
680 |
$154,950,000 |
$227,868 |
$2,131 |
2.85% |
| 30-36% |
443 |
$97,365,000 |
$219,786 |
$2,275 |
2.95% |
| 37% |
89 |
$20,585,000 |
$231,292 |
$2,207 |
2.98% |
| 36% |
75 |
$15,715,000 |
$209,533 |
$2,695 |
2.92% |
| 40% |
65 |
$13,365,000 |
$205,615 |
$2,415 |
3.07% |
| 38% |
60 |
$13,860,000 |
$231,000 |
$2,451 |
3.12% |
| 43% |
58 |
$12,100,000 |
$208,621 |
$2,295 |
3.06% |
| 45% |
58 |
$13,540,000 |
$233,448 |
$2,263 |
2.71% |
| 39% |
57 |
$14,035,000 |
$246,228 |
$2,549 |
2.98% |
| 42% |
54 |
$11,200,000 |
$207,407 |
$2,355 |
2.85% |
| 41% |
54 |
$10,340,000 |
$191,481 |
$2,196 |
2.86% |
| 44% |
53 |
$10,275,000 |
$193,868 |
$2,509 |
2.88% |
| 46% |
27 |
$7,175,000 |
$265,741 |
$2,250 |
2.80% |
| 49% |
21 |
$4,505,000 |
$214,524 |
$2,370 |
2.68% |
| 47% |
21 |
$5,595,000 |
$266,429 |
$2,533 |
2.95% |
| 48% |
19 |
$4,525,000 |
$238,158 |
$2,338 |
2.85% |
| 50-60% |
12 |
$2,540,000 |
$211,667 |
$2,349 |
3.08% |
| >60% |
3 |
$535,000 |
$178,333 |
$895 |
3.37% |
Central Bank & Trust Company lent most frequently to those with DTI ratios
of 20-30%, with
826 originations.
The next most common DTI ratio? <20%,
with 680 originations.
Ethnicity Mix
| Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| White |
2,427 |
$551,245,000 |
$227,130 |
$2,239 |
2.87% |
| Not applicable |
86 |
$122,110,000 |
$1,419,884 |
$0 |
3.89% |
| Not provided |
143 |
$20,085,000 |
$140,455 |
$2,104 |
3.19% |
| Black |
72 |
$18,550,000 |
$257,639 |
$3,072 |
3.07% |
| Asian |
59 |
$15,275,000 |
$258,898 |
$2,220 |
2.79% |
| American Indian |
4 |
$500,000 |
$125,000 |
$1,830 |
3.00% |
| Other Asian |
2 |
$390,000 |
$195,000 |
$2,608 |
3.56% |
| Native Hawaiian |
1 |
$275,000 |
$275,000 |
$1,842 |
2.88% |
| Asian Indian |
1 |
$255,000 |
$255,000 |
$0 |
3.25% |
Approval Rates
Total approvals of all applications
92.55%
Central Bank & Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination
88.81%
Central Bank & Trust Company has an average pick rate.
Points and Fees
| Points |
Originations |
Total Value |
Average Loan |
| NA |
2,795 |
$728,685,000 |
$260,710 |
Occupancy Type Mix
| Dwelling Type |
Originations |
Total Value |
Average Loan |
|
2,795 |
$728,685,000 |
$260,710 |
LTV Distribution
| Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-40% |
429 |
$62,655,000 |
$146,049 |
$1,895 |
2.99% |
| 40-60% |
505 |
$121,035,000 |
$239,673 |
$2,006 |
2.74% |
| 60-80% |
933 |
$366,375,000 |
$392,685 |
$2,215 |
2.88% |
| 80-100% |
483 |
$143,325,000 |
$296,739 |
$2,697 |
2.93% |
| Over 100% |
5 |
$1,555,000 |
$311,000 |
$9,601 |
2.50% |
| Under 20% |
412 |
$26,730,000 |
$64,879 |
$799 |
3.21% |
Complaints
| Bank Name |
Product |
Issue |
2021 CPFB Complaints |
% of Total Issues |
| CENTURY MORTGAGE COMPANY |
VA mortgage |
Trouble during payment process |
1 |
100.0% |
Bank Details
Branches
| Bank Name |
Branch |
Branch Type |
Deposits (000's) |
| Central Bank & Trust Company |
2850 Turkey Foot Rd Crestview Hills, KY 41017 |
Full Service B&M
|
$30,705 |
| Central Bank & Trust Company |
100 East Reynolds Road Fayette County, KY 40503 |
Full Service B&M
|
$71,506 |
| Central Bank & Trust Company |
101 Brentwood Street Berea, KY 40403 |
Full Service B&M
|
$28,939 |
| Central Bank & Trust Company |
1110 Pioneer Drive Winchester, KY 40391 |
Full Service B&M
|
$55,949 |
| Central Bank & Trust Company |
137 East Main Street Georgetown, KY 40324 |
Full Service B&M
|
$88,983 |
| Central Bank & Trust Company |
1471 Keene Rd Nicholasville, KY 40356 |
Full Service B&M
|
$26,325 |
| Central Bank & Trust Company |
2075 Dixie Highway Fort Mitchell, KY 41011 |
Full Service B&M
|
$84,915 |
| Central Bank & Trust Company |
2233 Richmond Road Lexington, KY 40502 |
Full Service B&M
|
$127,145 |
| Central Bank & Trust Company |
2347 Versailles Road Lexington, KY 40504 |
Full Service B&M
|
$70,685 |
| Central Bank & Trust Company |
2443 Sir Barton Way Lexington, KY 40509 |
Full Service B&M
|
$36,398 |
| Central Bank & Trust Company |
256 Southland Drive Lexington, KY 40503 |
Full Service B&M
|
$91,448 |
| Central Bank & Trust Company |
4630 Taylorsville Road Louisville, KY 40220 |
Full Service B&M
|
$34,037 |
| Central Bank & Trust Company |
515 New Circle Road, N.W. Lexington, KY 40505 |
Full Service B&M
|
$58,685 |
| Central Bank & Trust Company |
649 East New Circle Road Lexington, KY 40505 |
Full Service B&M
|
$58,603 |
| Central Bank & Trust Company |
7310 Turfway Road Florence, KY 41042 |
Full Service B&M
|
$224,582 |
| Central Bank & Trust Company |
9021 Us Hwy 42 Union, KY 41091 |
Full Service B&M
|
$24,938 |
| Central Bank & Trust Company |
9300 Shelbyville Road, Suite 100 Louisville, KY 40222 |
Full Service B&M
|
$119,843 |
| Central Bank & Trust Company |
300 West Main Street Richmond, KY 40475 |
Full Service B&M
|
$78,044 |
| Central Bank & Trust Company |
300 West Vine Street Lexington, KY 40507 |
Full Service B&M
|
$947,856 |
| Central Bank & Trust Company |
301 North Main Street Nicholasville, KY 40356 |
Full Service B&M
|
$96,694 |
| Central Bank & Trust Company |
3101 Maple Leaf Drive Lexington, KY 40509 |
Full Service B&M
|
$68,360 |
| Central Bank & Trust Company |
321 W Main Street Louisville, KY 40202 |
Full Service B&M
|
$19,764 |
| Central Bank & Trust Company |
3270 Tates Creek Road Lexington, KY 40502 |
Full Service B&M
|
$77,640 |
| Central Bank & Trust Company |
3541 Outer Loop Ste 120 Louisville, KY 40219 |
Full Service B&M
|
$8,330 |
| Central Bank & Trust Company |
3705 Harrodsburg Road Lexington, KY 40504 |
Full Service B&M
|
$151,420 |
| Central Bank & Trust Company |
4090 Tates Creek Centre Dr Lexington, KY 40517 |
Full Service B&M
|
$82,881 |
| Central Bank & Trust Company |
410 Connector Road Georgetown, KY 40324 |
Full Service B&M
|
$31,118 |
| Central Bank & Trust Company |
43 North Maple Street Winchester, KY 40391 |
Full Service B&M
|
$67,220 |
For 2021, Central Bank & Trust Company had 28 branches.
Yearly Performance Overview
Bank Income
Central Bank & Trust Company's gross interest income from loans was $106,562,000.
Central Bank & Trust Company's net interest income from loans was $102,702,000.
Central Bank & Trust Company's fee based income from loans was $5,621,000.
Central Bank & Trust Company's net income from loans was $31,370,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$3,860 |
| Provision for credit losses |
$1,017 |
| Total noninterest expense |
$110,749 |
| Salaries and employee benefits |
$55,068 |
| Premises and equipment expense |
$16,635 |
| Additional noninterest expense |
$39,046 |
| Applicable income taxes |
$6,658 |
| Net charge-offs |
$2,208 |
| Cash dividends |
$2,800 |
Central Bank & Trust Company's interest expense for loans was $3,860,000.
Central Bank & Trust Company's payroll and benefits expense were $55,068,000.
Central Bank & Trust Company's property, plant and equipment expenses $16,635,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$3,236,993 |
| Deposits held in domestic offices |
$3,236,993 |
| Deposits by Individuals, partnerships, and corporations |
$3,169,559 |
| Deposits by U.S. Government |
$0 |
| Deposits by States and political subdivisions in the U.S. |
$60,939 |
| Deposits by Commercial banks and other depository institutions in U.S. |
$6,495 |
| Deposits by Banks in foreign countries |
$0 |
| Deposits by Foreign governments and official institutions |
$0 |
| Transaction accounts |
$1,964,404 |
| Demand deposits |
$1,408,694 |
| Nontransaction accounts |
$1,272,589 |
| Money market deposit accounts (MMDAs) |
$681,402 |
| Other savings deposits (excluding MMDAs) |
$259,172 |
| Total time deposits |
$332,015 |
| Total time and savings deposits |
$1,828,299 |
| Noninterest-bearing deposits |
$1,408,694 |
| Interest-bearing deposits |
$1,828,299 |
| Retail deposits |
$3,113,460 |
| IRAs and Keogh plan accounts |
$41,976 |
| Brokered deposits |
$0 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$3,890,954 |
| Cash & Balances due from depository institutions |
$1,246,412 |
| Interest-bearing balances |
$1,210,900 |
| Total securities |
$502,943 |
| Federal funds sold & reverse repurchase |
$0 |
| Net loans and leases |
$2,055,082 |
| Loan and leases loss allowance |
$23,994 |
| Trading account assets |
$0 |
| Bank premises and fixed assets |
$27,016 |
| Other real estate owned |
$385 |
| Goodwill and other intangibles |
$14,579 |
| All other assets |
$44,537 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$3,890,954 |
| Total Liabilities |
$3,526,260 |
| Total deposits |
$3,236,993 |
| Interest-bearing deposits |
$1,828,299 |
| Deposits held in domestic offices |
$3,236,993 |
| % insured (estimated) |
$67 |
| Federal funds purchased and repurchase agreements |
$240,852 |
| Trading liabilities |
$0 |
| Other borrowed funds |
$25,293 |
| Subordinated debt |
$0 |
| All other liabilities |
$23,122 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$2,055,082 |
| Loan and leases loss allowance |
$23,994 |
| Total loans and leases (domestic) |
$2,079,076 |
| All real estate loans |
$1,529,983 |
| Real estate loans in domestic offices |
$1,529,983 |
| Construction and development loans |
$202,719 |
| Residential 1-4 family construction |
$52,996 |
| Other construction, all land development and other land |
$149,723 |
| Loans secured by nonfarm nonresidential properties |
$619,633 |
| Nonfarm nonresidential secured by owner-occupied properties |
$232,489 |
| Commercial real estate & other non-farm, non-residential |
$387,144 |
| Multifamily residential real estate |
$58,861 |
| 1-4 family residential loans |
$619,807 |
| Farmland loans |
$28,963 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$2,146 |
| Commercial and industrial loans |
$303,048 |
| To non-U.S. addressees |
$0 |
| Loans to individuals |
$165,727 |
| Credit card loans |
$6,756 |
| Related Plans |
$0 |
| Consumer Auto Loans |
$137,488 |
| Other loans to individuals |
$21,483 |
| All other loans & leases |
$79,804 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$21,152 |
| Loans to depository institutions and acceptances of other banks |
$0 |
| Loans not secured by real estate |
$0 |
| Loans secured by real estate to non-U.S. addressees |
$0 |
| Restructured Loans & leases |
$28,032 |
| Non 1-4 family restructured loans & leases |
$28,032 |
| Total loans and leases (foreign) |
$0 |
Central Bank & Trust Company had $2,055,082,000 of loans outstanding in 2021. $1,529,983,000 of loans were in real estate loans.
$202,719,000 of loans were in development loans. $58,861,000 of loans were in multifamily mortgage loans.
$619,807,000 of loans were in 1-4 family mortgage loans. $2,146,000 of loans were in farm loans. $6,756,000
of loans were in credit card loans. $137,488,000 of loans were in the auto loan category.
Small Business Loans
| Categorization |
# of Loans in Category |
$ amount of loans (in 000's) |
Average $/loan |
| Nonfarm, nonresidential loans - <$1MM |
485 |
$117,294 |
$241,843 |
| Nonfarm, nonresidential loans - <$100k |
79 |
$3,519 |
$44,544 |
| Nonfarm, nonresidential loans - $100-250k |
147 |
$18,021 |
$122,592 |
| Nonfarm, nonresidential loans - $250k-1MM |
259 |
$95,754 |
$369,707 |
| Commercial & Industrial, US addressed loans - <$1MM |
974 |
$85,023 |
$87,293 |
| Commercial & Industrial, US addressed loans - <$100k |
653 |
$17,231 |
$26,387 |
| Commercial & Industrial, US addressed loans - $100-250k |
185 |
$20,762 |
$112,227 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
136 |
$47,030 |
$345,809 |
| Farmland loans - <$1MM |
61 |
$7,435 |
$121,885 |
| Farmland loans - <$100k |
17 |
$716 |
$42,118 |
| Farmland loans - $100-250k |
32 |
$3,903 |
$121,969 |
| Farmland loans - $250k-1MM |
12 |
$2,816 |
$234,667 |
| Agriculture operations loans - <$1MM |
32 |
$2,146 |
$67,063 |
| Agriculture operations loans - <$100k |
24 |
$379 |
$15,792 |
| Agriculture operations loans - $100-250k |
3 |
$468 |
$156,000 |
| Agriculture operations loans - $250k-1MM |
5 |
$1,299 |
$259,800 |
