Central Bank Mortgage Rates, Fees & Info

Lexington, KY

LEI: 549300C5GU86M1X2DG56

Tax ID: 61-0153605

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Central Bank is a smaller bank specializing in Home Purchase and Refi loans. Central Bank 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 by origination volume include: Lexington, Cincinnati, Louisville, Richmond, and Naples among others. We have data for 40 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Central Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Central Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.85% 12/16/24
    30 Year Conventional Purchase 6.39% 12/16/24
    30 Year Conventional Refi 6.47% 12/16/24
    30 Year Cash-out Refi 6.48% 12/16/24
    30 Year FHA Purchase 7.04% 12/16/24
    30 Year FHA Refi 6.39% 12/16/24
    30 Year VA Purchase 5.72% 12/16/24
    30 Year USDA Purchase 6.53% 12/16/24
    15 Year Conventional Purchase 5.84% 12/16/24
    15 Year Conventional Refi 5.97% 12/16/24
    15 Year Cash-out Refi 5.97% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Central Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Central Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,809

    Origination Dollar Volume (All Markets)

    $357,575,000

    Employee count

    535 Show all (23) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1,112 $206,350,000 $185,567 $1,984 4.48%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 228 $52,490,000 $230,219 $2,088 4.44%
    LOUISVILLE, KY (FHA|USDA|VA) 175 $41,525,000 $237,286 $2,525 4.62%
    Richmond-Berea, KY (FHA|USDA|VA) 106 $15,220,000 $143,585 $2,075 4.58%
    Outside of Metro Areas 82 $12,240,000 $149,268 $2,176 4.37%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $6,615,000 $2,205,000 $11,992 4.21%
    Frankfort, KY (FHA|USDA|VA) 23 $5,195,000 $225,870 $2,386 4.05%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $2,590,000 $647,500 $0 5.53%
    Mount Sterling, KY (FHA|USDA|VA) 16 $1,730,000 $108,125 $1,846 4.06%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $1,625,000 $325,000 $2,019 3.75%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $1,590,000 $795,000 $6,911 5.06%
    Danville, KY (FHA|USDA|VA) 8 $1,060,000 $132,500 $1,959 4.02%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,045,000 $348,333 $2,956 3.92%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $1,005,000 $201,000 $3,018 3.68%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $835,000 $835,000 $4,182 3.80%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $635,000 $635,000 $3,513 4.00%
    Bardstown, KY (FHA|USDA|VA) 2 $550,000 $275,000 $1,250 3.50%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $485,000 $485,000 $2,497 4.00%
    Sevierville, TN (FHA|USDA|VA) 2 $420,000 $210,000 $2,362 4.25%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $410,000 $205,000 $2,115 3.88%
    Milledgeville, GA (FHA|USDA|VA) 1 $325,000 $325,000 $2,957 3.63%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $300,000 $150,000 $1,976 4.50%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $285,000 $285,000 $1,735 4.00%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $285,000 $285,000 $5,902 3.50%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.50%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $265,000 $265,000 $3,155 3.75%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $235,000 $78,333 $0 5.25%
    Somerset, KY (FHA|USDA|VA) 4 $230,000 $57,500 $1,433 4.41%
    BOWLING GREEN, KY (FHA|USDA|VA) 2 $230,000 $115,000 $2,278 4.38%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $205,000 $205,000 $3,504 3.25%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $2,806 4.00%
    OWENSBORO, KY (FHA|USDA|VA) 2 $180,000 $90,000 $0 5.31%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.75%
    Mayfield, KY (FHA|USDA|VA) 1 $165,000 $165,000 $2,216 4.13%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,499 4.50%
    London, KY (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.50%
    Yankton, SD (FHA|USDA|VA) 1 $115,000 $115,000 $2,099 4.88%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.75%
    Campbellsville, KY (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.63%
    Scottsburg, IN (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.50%
    Central Bank's top markets include Lexington, Cincinnati, Louisville, Richmond, and Naples among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Central Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The North Side Bank & Trust Company
    Similarity Rank: 55
    CINFED Federal Credit Union
    Similarity Rank: 162
    Peoples Exchange Bank
    Similarity Rank: 344
    Advanz Federal Credit Union
    Similarity Rank: 360
    The Peoples Bank
    Similarity Rank: 400
    RIVER VALLEY CREDIT UNION, INC.
    Similarity Rank: 504
    MEMBERS HERITAGE Credit Union
    Similarity Rank: 640
    TRANSCEND
    Similarity Rank: 702
    COMMONWEALTH
    Similarity Rank: 720
    MORTGAGE SUPPLIERS, INC.
    Similarity Rank: 731

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,094 $277,560,000 $253,711 $1,921 4.12%
    HELOC 582 $54,490,000 $93,625 n/a 5.32%
    FHA 57 $9,305,000 $163,246 $3,634 3.77%
    VA 42 $11,220,000 $267,143 $3,996 3.38%
    USDA 34 $5,000,000 $147,059 $2,372 3.71%

    For 2019, Central Bank's most frequently originated type of loan was Conventional, with 1,094 originations. Their 2nd most popular type was HELOC, with 582 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 857 $199,135,000 $232,363 $2,068 4.23%
    Refi 479 $98,085,000 $204,770 $2,049 4.54%
    Other 221 $21,255,000 $96,176 $2,360 5.18%
    Cash Out Refi 133 $30,405,000 $228,609 $2,370 3.83%
    Home Improvement 119 $8,695,000 $73,067 $1,632 5.33%

    For 2019, Central Bank's most frequently cited loan purpose was Home Purchase, with 857 originations. The 2nd most popular reason was Refi, with 479 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 906 $220,840,000 $243,753 $2,160 3.95%
    10 Year 519 $37,635,000 $72,514 $1,902 5.26%
    5 Year 146 $33,080,000 $226,575 $219 5.47%
    15 Year 144 $36,330,000 $252,292 $1,960 3.46%
    1 Year 36 $10,720,000 $297,778 $1,582 5.59%
    Other 33 $9,855,000 $298,636 $900 5.38%
    20 Year 14 $2,910,000 $207,857 $2,190 3.78%
    30+ year 6 $5,690,000 $948,333 $4,938 4.00%
    3 Year 5 $515,000 $103,000 $0 5.66%

    For 2019, Central Bank's most frequently cited loan duration was 30 Year, with 906 originations. The 2nd most popular length was 10 Year, with 519 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,075 $268,225,000 $249,512
    $1k-2k 4 $1,000,000 $250,000
    $2k-3k 2 $720,000 $360,000
    $4k-5k 2 $1,310,000 $655,000
    $5k+ 2 $1,920,000 $960,000
    $3k-4k 1 $305,000 $305,000

    Central Bank's average total fees were $2,160, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,075 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 727 $182,365,000 $250,846
    5-6% 587 $76,095,000 $129,634
    4-5% 447 $88,095,000 $197,081
    2.5-3% 33 $9,065,000 $274,697
    6-7% 15 $1,955,000 $130,333

    During 2019, Central Bank's average interest rate for loans was 3.95%, while their most frequently originated rate bucket for loans was 3-4%, with 727 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 591 $85,625,000 $144,882 $1,878 4.26%
    $100,000 or less 577 $31,095,000 $53,891 $1,452 5.13%
    $200k-400k 462 $126,570,000 $273,961 $2,203 4.03%
    $400k-600k 131 $60,345,000 $460,649 $2,583 4.11%
    $600k-1MM 25 $19,145,000 $765,800 $3,209 4.42%
    $1MM+ 23 $34,795,000 $1,512,826 $5,787 4.58%

    2019 saw Central Bank place emphasis on $100k-200k loans with 591 originations, totaling $85,625,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 329 $62,665,000 $190,471 $2,158 4.48%
    $50k-75k 307 $41,885,000 $136,433 $1,956 4.33%
    $50k or less 282 $29,330,000 $104,007 $1,865 4.38%
    $75k-100k 263 $43,105,000 $163,897 $1,999 4.40%
    $150k-250k 250 $53,970,000 $215,880 $2,217 4.51%
    $250k+ 245 $95,735,000 $390,755 $2,607 4.58%

    Central Bank lent most frequently to those with incomes in the $100k-150k range, with 329 originations. The second most popular income band? $50k-75k, with 307 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 500 $93,620,000 $187,240 $2,094 4.46%
    30-36% 345 $72,585,000 $210,391 $2,107 4.35%
    <20% 332 $61,260,000 $184,518 $2,118 4.60%
    41% 52 $8,800,000 $169,231 $2,205 4.15%
    36% 51 $9,295,000 $182,255 $2,328 4.46%
    38% 49 $9,035,000 $184,388 $2,128 4.35%
    43% 49 $10,715,000 $218,673 $1,761 4.32%
    39% 48 $8,500,000 $177,083 $1,956 4.22%
    44% 46 $7,740,000 $168,261 $1,849 4.38%
    40% 45 $7,075,000 $157,222 $1,344 4.59%
    42% 41 $8,295,000 $202,317 $2,121 4.42%
    37% 41 $7,105,000 $173,293 $2,624 4.48%
    45% 33 $9,715,000 $294,394 $2,441 4.10%
    49% 24 $4,110,000 $171,250 $1,881 4.13%
    50-60% 17 $3,375,000 $198,529 $2,903 4.12%
    47% 17 $3,985,000 $234,412 $2,732 3.97%
    48% 16 $4,040,000 $252,500 $2,256 3.91%
    46% 12 $2,930,000 $244,167 $1,700 4.16%
    >60% 6 $760,000 $126,667 $882 5.48%

    Central Bank lent most frequently to those with DTI ratios of 20-30%, with 500 originations. The next most common DTI ratio? 30-36%, with 345 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,603 $315,605,000 $196,884 $2,126 4.40%
    Not applicable 64 $18,900,000 $295,313 $0 5.64%
    Asian 34 $8,620,000 $253,529 $1,346 4.21%
    Not provided 64 $8,480,000 $132,500 $1,953 5.28%
    Black 38 $5,410,000 $142,368 $2,091 4.47%
    Asian Indian 2 $310,000 $155,000 $0 5.38%
    Korean 1 $125,000 $125,000 $0 5.50%
    American Indian 2 $100,000 $50,000 $0 5.13%
    Other Asian 1 $25,000 $25,000 $0 5.00%

    Approval Rates

    Total approvals of all applications
    90.90%

    Central Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.06%

    Central Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,809 $357,575,000 $197,664

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 19 $13,305,000 $700,263
    Single Family (1-4 Units):Manufactured 11 $995,000 $90,455
    Single Family (1-4 Units):Site-Built 1,779 $343,275,000 $192,960

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 271 $31,225,000 $115,221 $2,008 5.08%
    40-60% 216 $44,320,000 $205,185 $2,005 4.41%
    60-80% 476 $128,170,000 $269,265 $2,125 4.19%
    80-100% 542 $134,020,000 $247,269 $2,142 4.00%
    Over 100% 6 $1,670,000 $278,333 $6,432 3.54%
    Under 20% 288 $16,310,000 $56,632 $580 5.32%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CENTERSTATE BANK CORPORATION Conventional home mortgage Trouble during payment process 1 50.0%
    CENTERSTATE BANK CORPORATION VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Central Bank & Trust Company 100 East Reynolds Road Fayette County, KY 40503 Full Service B&M $53,117
    Central Bank & Trust Company 101 Brentwood Street Berea, KY 40403 Full Service B&M $25,050
    Central Bank & Trust Company 1110 Pioneer Drive Winchester, KY 40391 Full Service B&M $45,608
    Central Bank & Trust Company 137 East Main Street Georgetown, KY 40324 Full Service B&M $56,597
    Central Bank & Trust Company 1471 Keene Rd Nicholasville, KY 40356 Full Service B&M $19,457
    Central Bank & Trust Company 2075 Dixie Highway Fort Mitchell, KY 41011 Full Service B&M $30,935
    Central Bank & Trust Company 2233 Richmond Road Lexington, KY 40502 Full Service B&M $95,359
    Central Bank & Trust Company 2347 Versailles Road Lexington, KY 40504 Full Service B&M $56,467
    Central Bank & Trust Company 2443 Sir Barton Way Lexington, KY 40509 Full Service B&M $21,360
    Central Bank & Trust Company 256 Southland Drive Lexington, KY 40503 Full Service B&M $83,889
    Central Bank & Trust Company 2850 Turkey Foot Rd Crestview Hills, KY 41017 Full Service B&M $20,361
    Central Bank & Trust Company 300 West Main Street Richmond, KY 40475 Full Service B&M $71,078
    Central Bank & Trust Company 300 West Vine Street Lexington, KY 40507 Full Service B&M $712,060
    Central Bank & Trust Company 301 North Main Street Nicholasville, KY 40356 Full Service B&M $69,620
    Central Bank & Trust Company 3101 Maple Leaf Drive Lexington, KY 40509 Full Service B&M $62,910
    Central Bank & Trust Company 321 W Main Street Louisville, KY 40202 Full Service B&M $32,012
    Central Bank & Trust Company 3270 Tates Creek Road Lexington, KY 40502 Full Service B&M $66,406
    Central Bank & Trust Company 3541 Outer Loop Ste 120 Louisville, KY 40219 Full Service B&M $644
    Central Bank & Trust Company 3705 Harrodsburg Road Lexington, KY 40504 Full Service B&M $127,916
    Central Bank & Trust Company 4090 Tates Creek Centre Dr Lexington, KY 40517 Full Service B&M $64,064
    Central Bank & Trust Company 410 Connector Road Georgetown, KY 40324 Full Service B&M $22,556
    Central Bank & Trust Company 43 North Maple Street Winchester, KY 40391 Full Service B&M $59,728
    Central Bank & Trust Company 4630 Taylorsville Road Louisville, KY 40220 Full Service B&M $39,905
    Central Bank & Trust Company 515 New Circle Road, N.W. Lexington, KY 40505 Full Service B&M $42,487
    Central Bank & Trust Company 649 East New Circle Road Lexington, KY 40505 Full Service B&M $43,915
    Central Bank & Trust Company 7310 Turfway Road Florence, KY 41042 Full Service B&M $125,287
    Central Bank & Trust Company 9021 Us Hwy 42 Union, KY 41091 Full Service B&M $5,315
    Central Bank & Trust Company 9300 Shelbyville Road, Suite 100 Louisville, KY 40222 Full Service B&M $91,282

    For 2019, Central Bank had 28 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $116,904
    Net interest income $101,421
    Total noninterest income $38,954
    Gross Fiduciary activities income $8,225
    Service charges on deposit accounts $7,253
    Trading account gains and fees $0
    Additional Noninterest Income $23,476
    Pre-tax net operating income $36,110
    Securities gains (or losses, -) $0
    Income before extraordinary items $31,057
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $31,057
    Minority interest net income $0
    Net income $31,057
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $31,057

    Central Bank's gross interest income from loans was $116,904,000.
    Central Bank's net interest income from loans was $101,421,000.
    Central Bank's fee based income from loans was $7,253,000.
    Central Bank's net income from loans was $31,057,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $15,483
    Provision for credit losses $2,672
    Total noninterest expense $101,593
    Salaries and employee benefits $53,218
    Premises and equipment expense $13,138
    Additional noninterest expense $35,237
    Applicable income taxes $5,053
    Net charge-offs $3,750
    Cash dividends $2,800

    Central Bank's interest expense for loans was $15,483,000.
    Central Bank's payroll and benefits expense were $53,218,000.
    Central Bank's property, plant and equipment expenses $13,138,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.4%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,219,052
    Deposits held in domestic offices $2,219,052
    Deposits by Individuals, partnerships, and corporations $2,164,072
    Deposits by U.S. Government $165
    Deposits by States and political subdivisions in the U.S. $52,784
    Deposits by Commercial banks and other depository institutions in U.S. $2,031
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $632,154
    Demand deposits $600,677
    Nontransaction accounts $1,586,898
    Money market deposit accounts (MMDAs) $434,733
    Other savings deposits (excluding MMDAs) $616,779
    Total time deposits $535,386
    Total time and savings deposits $1,618,375
    Noninterest-bearing deposits $600,677
    Interest-bearing deposits $1,618,375
    Retail deposits $2,008,897
    IRAs and Keogh plan accounts $42,994
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,762,148
    Cash & Balances due from depository institutions $375,955
    Interest-bearing balances $318,200
    Total securities $277,138
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,032,103
    Loan and leases loss allowance $19,106
    Trading account assets $0
    Bank premises and fixed assets $28,300
    Other real estate owned $1,888
    Goodwill and other intangibles $14,509
    All other assets $32,255

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,762,148
    Total Liabilities $2,442,934
    Total deposits $2,219,052
    Interest-bearing deposits $1,618,375
    Deposits held in domestic offices $2,219,052
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $141,011
    Trading liabilities $0
    Other borrowed funds $50,403
    Subordinated debt $0
    All other liabilities $32,468

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,032,103
    Loan and leases loss allowance $19,106
    Total loans and leases (domestic) $2,051,209
    All real estate loans $1,569,739
    Real estate loans in domestic offices $1,569,739
    Construction and development loans $269,573
    Residential 1-4 family construction $53,472
    Other construction, all land development and other land $216,101
    Loans secured by nonfarm nonresidential properties $616,034
    Nonfarm nonresidential secured by owner-occupied properties $230,109
    Commercial real estate & other non-farm, non-residential $385,925
    Multifamily residential real estate $97,766
    1-4 family residential loans $550,964
    Farmland loans $35,402
    Loans held in foreign offices $0
    Farm loans $3,708
    Commercial and industrial loans $257,746
    To non-U.S. addressees $0
    Loans to individuals $106,789
    Credit card loans $7,753
    Related Plans $0
    Consumer Auto Loans $83,760
    Other loans to individuals $15,276
    All other loans & leases $114,406
    Loans to foreign governments and official institutions $0
    Other loans $31,221
    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 $1,324
    Non 1-4 family restructured loans & leases $23
    Total loans and leases (foreign) $0

    Central Bank had $2,032,103,000 of loans outstanding in 2019. $1,569,739,000 of loans were in real estate loans. $269,573,000 of loans were in development loans. $97,766,000 of loans were in multifamily mortgage loans. $550,964,000 of loans were in 1-4 family mortgage loans. $3,708,000 of loans were in farm loans. $7,753,000 of loans were in credit card loans. $83,760,000 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 538 $131,493 $244,411
    Nonfarm, nonresidential loans - <$100k 96 $4,661 $48,552
    Nonfarm, nonresidential loans - $100-250k 170 $20,905 $122,971
    Nonfarm, nonresidential loans - $250k-1MM 272 $105,927 $389,438
    Commercial & Industrial, US addressed loans - <$1MM 962 $85,262 $88,630
    Commercial & Industrial, US addressed loans - <$100k 615 $16,714 $27,177
    Commercial & Industrial, US addressed loans - $100-250k 194 $21,434 $110,485
    Commercial & Industrial, US addressed loans - $250k-1MM 153 $47,114 $307,935
    Farmland loans - <$1MM 77 $9,945 $129,156
    Farmland loans - <$100k 26 $1,263 $48,577
    Farmland loans - $100-250k 36 $5,244 $145,667
    Farmland loans - $250k-1MM 15 $3,438 $229,200
    Agriculture operations loans - <$1MM 59 $3,708 $62,847
    Agriculture operations loans - <$100k 48 $1,107 $23,063
    Agriculture operations loans - $100-250k 5 $862 $172,400
    Agriculture operations loans - $250k-1MM 6 $1,739 $289,833