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 |