The Central Trust Bank Mortgage Rates, Fees & Info

Jefferson City, MO

LEI: 549300UF3FPC7U6RFC59

Tax ID: 43-0975002

5 stars - out of 5 stars, based on 105 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

The Central Trust Bank is a mid-sized bank specializing in Home Purchase and Refi loans. The Central Trust 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 include St. Louis, Columbia, Jefferson City, Kansas City, and Springfield among others. The Central Trust Bank 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. The Central Trust Bank is typically an average fee lendor.


Originations

11,050

Origination Dollar Volume (All Markets)

$3,094,900,000

Employee count

2,647 Show all (54) awards

Relative Rate

The Central Trust Bank's average 30 year fixed rate mortgage of loans were 3.05%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.1%.

Relative Fees

The Central Trust Bank's average total fees for a 30 year fixed rate mortgage are $3,435.

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
ST. LOUIS, MO-IL (FHA|USDA|VA) 2,005 $522,745,000 $260,721 $2,731 2.92%
COLUMBIA, MO (FHA|USDA|VA) 1,210 $310,470,000 $256,587 $2,413 3.17%
JEFFERSON CITY, MO (FHA|USDA|VA) 1,446 $260,950,000 $180,463 $2,475 3.24%
KANSAS CITY, MO-KS (FHA|USDA|VA) 996 $251,650,000 $252,661 $2,649 3.12%
SPRINGFIELD, MO (FHA|USDA|VA) 983 $243,535,000 $247,747 $3,017 3.14%
Outside of Metro Areas 612 $154,870,000 $253,056 $3,481 3.15%
RALEIGH-CARY, NC (FHA|USDA|VA) 393 $135,235,000 $344,109 $3,984 2.97%
COLORADO SPRINGS, CO (FHA|USDA|VA) 357 $132,545,000 $371,275 $5,250 3.02%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 308 $118,690,000 $385,357 $5,038 2.81%
Durango, CO (FHA|USDA|VA) 167 $67,265,000 $402,784 $4,044 3.14%
OKLAHOMA CITY, OK (FHA|USDA|VA) 84 $48,630,000 $578,929 $3,448 3.87%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 193 $44,485,000 $230,492 $3,177 3.04%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 97 $37,225,000 $383,763 $3,334 2.58%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 76 $35,500,000 $467,105 $3,654 3.03%
TULSA, OK (FHA|USDA|VA) 141 $29,195,000 $207,057 $3,698 3.55%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 92 $29,020,000 $315,435 $4,381 3.01%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 53 $27,285,000 $514,811 $4,109 2.62%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 55 $24,525,000 $445,909 $4,087 2.85%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 46 $24,300,000 $528,261 $2,330 2.70%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 43 $20,815,000 $484,070 $3,732 2.69%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 41 $20,515,000 $500,366 $2,065 2.57%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 54 $19,470,000 $360,556 $1,994 2.62%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 51 $18,055,000 $354,020 $2,390 2.58%
Warrensburg, MO (FHA|USDA|VA) 88 $17,950,000 $203,977 $2,965 3.29%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 41 $16,425,000 $400,610 $3,243 2.68%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 40 $15,880,000 $397,000 $3,520 2.51%
Cañon City, CO (FHA|USDA|VA) 63 $15,835,000 $251,349 $5,691 3.17%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 35 $14,855,000 $424,429 $3,517 2.67%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 22 $12,720,000 $578,182 $2,589 2.66%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 36 $12,710,000 $353,056 $3,934 2.69%
BOULDER, CO (FHA|USDA|VA) 10 $11,480,000 $1,148,000 $2,856 2.82%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 28 $10,990,000 $392,500 $3,263 2.58%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 32 $10,760,000 $336,250 $3,008 2.59%
LAWRENCE, KS (FHA|USDA|VA) 47 $10,375,000 $220,745 $2,672 3.02%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 19 $9,905,000 $521,316 $6,394 2.59%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 26 $9,830,000 $378,077 $3,193 2.82%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 24 $9,410,000 $392,083 $2,809 2.75%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 20 $8,930,000 $446,500 $2,956 2.69%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 26 $8,030,000 $308,846 $4,160 2.70%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 11 $6,815,000 $619,545 $6,518 3.06%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 20 $6,570,000 $328,500 $3,324 2.97%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 17 $6,345,000 $373,235 $1,469 2.80%
WICHITA, KS (FHA|USDA|VA) 25 $6,075,000 $243,000 $5,555 2.99%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 18 $5,930,000 $329,444 $1,493 2.56%
URBAN HONOLULU, HI (FHA|USDA|VA) 9 $5,875,000 $652,778 $3,944 2.39%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 10 $5,300,000 $530,000 $1,714 2.80%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 14 $5,030,000 $359,286 $4,328 3.28%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 12 $4,840,000 $403,333 $1,429 2.49%
RICHMOND, VA (FHA|USDA|VA) 16 $4,820,000 $301,250 $2,415 2.87%
BOISE CITY, ID (FHA|USDA|VA) 10 $4,710,000 $471,000 $3,427 2.54%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 10 $4,570,000 $457,000 $2,827 2.43%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $4,515,000 $347,308 $5,519 2.87%
JACKSONVILLE, FL (FHA|USDA|VA) 11 $4,485,000 $407,727 $4,315 2.84%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 15 $4,455,000 $297,000 $2,569 2.81%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 14 $4,450,000 $317,857 $2,389 2.90%
Branson, MO (FHA|USDA|VA) 26 $4,370,000 $168,077 $3,177 3.23%
PROVO-OREM, UT (FHA|USDA|VA) 9 $4,355,000 $483,889 $4,413 2.83%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $4,295,000 $613,571 $4,823 3.27%
PUEBLO, CO (FHA|USDA|VA) 19 $4,195,000 $220,789 $5,332 3.30%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 12 $4,150,000 $345,833 $2,185 2.76%
SALT LAKE CITY, UT (FHA|USDA|VA) 9 $4,065,000 $451,667 $3,892 2.60%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 10 $4,050,000 $405,000 $2,938 2.79%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 9 $4,015,000 $446,111 $4,346 2.78%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 7 $3,915,000 $559,286 $2,924 2.44%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 11 $3,835,000 $348,636 $2,120 2.38%
JOPLIN, MO (FHA|USDA|VA) 8 $3,550,000 $443,750 $3,265 3.11%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $3,510,000 $351,000 $3,016 2.59%
Mexico, MO (FHA|USDA|VA) 25 $3,315,000 $132,600 $2,467 3.33%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 8 $3,050,000 $381,250 $4,175 2.64%
Moberly, MO (FHA|USDA|VA) 16 $2,920,000 $182,500 $3,378 3.44%
GREELEY, CO (FHA|USDA|VA) 4 $2,870,000 $717,500 $4,313 3.06%
WILMINGTON, NC (FHA|USDA|VA) 9 $2,825,000 $313,889 $5,503 3.12%
STOCKTON, CA (FHA|USDA|VA) 6 $2,810,000 $468,333 $4,395 2.79%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $2,690,000 $336,250 $4,372 2.91%
FAYETTEVILLE, NC (FHA|USDA|VA) 12 $2,640,000 $220,000 $4,419 3.11%
Edwards, CO (FHA|USDA|VA) 3 $2,605,000 $868,333 $2,949 2.96%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 6 $2,520,000 $420,000 $2,176 2.92%
ALBUQUERQUE, NM (FHA|USDA|VA) 8 $2,510,000 $313,750 $4,070 2.64%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 6 $2,420,000 $403,333 $5,504 2.33%
RENO, NV (FHA|USDA|VA) 6 $2,420,000 $403,333 $2,311 2.92%
HUNTSVILLE, AL (FHA|USDA|VA) 6 $2,310,000 $385,000 $6,744 2.75%
KNOXVILLE, TN (FHA|USDA|VA) 7 $2,255,000 $322,143 $3,016 2.64%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $2,250,000 $225,000 $5,344 3.16%
BURLINGTON, NC (FHA|USDA|VA) 9 $2,215,000 $246,111 $4,166 3.07%
Breckenridge, CO (FHA|USDA|VA) 4 $2,070,000 $517,500 $2,295 2.72%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $2,065,000 $295,000 $5,141 2.55%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 5 $2,065,000 $413,000 $2,471 2.48%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $2,000,000 $333,333 $1,892 2.46%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $1,930,000 $482,500 $3,577 3.03%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6 $1,930,000 $321,667 $1,967 2.60%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $1,865,000 $373,000 $6,181 2.60%
PITTSBURGH, PA (FHA|USDA|VA) 6 $1,820,000 $303,333 $3,536 2.93%
Rolla, MO (FHA|USDA|VA) 10 $1,810,000 $181,000 $2,596 3.14%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 6 $1,800,000 $300,000 $2,792 2.52%
WINSTON-SALEM, NC (FHA|USDA|VA) 8 $1,800,000 $225,000 $3,376 2.92%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,710,000 $285,000 $6,951 3.10%
Hilo, HI (FHA|USDA|VA) 3 $1,655,000 $551,667 $3,879 2.67%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $1,640,000 $410,000 $5,350 2.56%
TOPEKA, KS (FHA|USDA|VA) 6 $1,580,000 $263,333 $3,040 3.10%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $1,565,000 $313,000 $2,692 2.60%
BEND, OR (FHA|USDA|VA) 3 $1,535,000 $511,667 $1,689 1.96%
FORT COLLINS, CO (FHA|USDA|VA) 4 $1,480,000 $370,000 $2,557 2.78%
TUCSON, AZ (FHA|USDA|VA) 4 $1,470,000 $367,500 $2,868 2.94%
ANCHORAGE, AK (FHA|USDA|VA) 4 $1,440,000 $360,000 $3,861 2.37%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $1,435,000 $478,333 $9,237 2.38%
COLUMBIA, SC (FHA|USDA|VA) 7 $1,425,000 $203,571 $2,244 2.80%
MADISON, WI (FHA|USDA|VA) 3 $1,355,000 $451,667 $2,185 2.79%
GAINESVILLE, GA (FHA|USDA|VA) 4 $1,330,000 $332,500 $2,343 2.69%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $1,285,000 $257,000 $3,153 2.70%
COLUMBUS, OH (FHA|USDA|VA) 4 $1,240,000 $310,000 $2,660 2.66%
Glenwood Springs, CO (FHA|USDA|VA) 4 $1,230,000 $307,500 $5,232 3.22%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 4 $1,210,000 $302,500 $4,325 2.72%
Pittsburg, KS (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $0 3.85%
Kirksville, MO (FHA|USDA|VA) 9 $1,205,000 $133,889 $2,006 3.15%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $1,170,000 $585,000 $4,547 2.69%
Heber, UT (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $4,723 2.88%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,160,000 $580,000 $2,211 2.88%
Ottawa, KS (FHA|USDA|VA) 6 $1,150,000 $191,667 $2,306 3.90%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 7 $1,145,000 $163,571 $2,671 3.87%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $1,135,000 $378,333 $2,158 3.04%
ROCHESTER, MN (FHA|USDA|VA) 3 $1,135,000 $378,333 $7,677 2.33%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $1,115,000 $371,667 $2,928 2.71%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $1,095,000 $365,000 $3,014 3.00%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $1,055,000 $351,667 $4,792 2.79%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $1,045,000 $348,333 $2,406 2.46%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,045,000 $209,000 $2,620 2.95%
AMES, IA (FHA|USDA|VA) 4 $1,030,000 $257,500 $1,923 2.81%
Ellensburg, WA (FHA|USDA|VA) 1 $1,025,000 $1,025,000 $3,930 3.38%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 4 $1,000,000 $250,000 $2,465 2.97%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $995,000 $331,667 $7,008 2.71%
Kapaa, HI (FHA|USDA|VA) 2 $990,000 $495,000 $2,299 2.44%
MOBILE, AL (FHA|USDA|VA) 2 $960,000 $480,000 $3,125 3.13%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $940,000 $470,000 $2,406 2.75%
Sedalia, MO (FHA|USDA|VA) 6 $940,000 $156,667 $2,548 2.98%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $940,000 $470,000 $1,708 2.69%
AKRON, OH (FHA|USDA|VA) 2 $930,000 $465,000 $2,414 2.75%
Sanford, NC (FHA|USDA|VA) 4 $930,000 $232,500 $3,170 3.06%
Kalispell, MT (FHA|USDA|VA) 2 $930,000 $465,000 $2,863 2.81%
Lebanon, MO (FHA|USDA|VA) 7 $925,000 $132,143 $2,315 3.62%
PANAMA CITY, FL (FHA|USDA|VA) 3 $895,000 $298,333 $3,594 2.88%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $890,000 $445,000 $1,283 2.94%
Boone, NC (FHA|USDA|VA) 2 $890,000 $445,000 $2,618 3.06%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $890,000 $445,000 $4,669 3.12%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $865,000 $865,000 $0 3.50%
Outside of Metro Areas 3 $855,000 $285,000 $6,141 2.75%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $850,000 $425,000 $6,956 2.38%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $840,000 $420,000 $1,846 2.63%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $840,000 $420,000 $2,410 2.44%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $825,000 $275,000 $2,994 2.75%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $820,000 $410,000 $3,011 3.31%
VALLEJO, CA (FHA|USDA|VA) 2 $810,000 $405,000 $9,798 2.56%
SANTA FE, NM (FHA|USDA|VA) 2 $780,000 $390,000 $2,887 2.38%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $780,000 $195,000 $3,322 2.94%
NEW BERN, NC (FHA|USDA|VA) 2 $760,000 $380,000 $5,346 2.87%
Hailey, ID (FHA|USDA|VA) 1 $755,000 $755,000 $5,146 3.13%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $755,000 $251,667 $3,332 3.38%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $745,000 $248,333 $3,868 3.13%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $740,000 $370,000 $2,593 2.37%
DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $735,000 $245,000 $1,365 2.67%
Montrose, CO (FHA|USDA|VA) 2 $730,000 $365,000 $5,004 2.87%
Hannibal, MO (FHA|USDA|VA) 5 $725,000 $145,000 $2,293 3.53%
MORGANTOWN, WV (FHA|USDA|VA) 4 $720,000 $180,000 $2,485 3.00%
Bozeman, MT (FHA|USDA|VA) 2 $710,000 $355,000 $2,096 2.62%
LAS CRUCES, NM (FHA|USDA|VA) 2 $690,000 $345,000 $4,162 2.69%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 2 $690,000 $345,000 $4,073 2.50%
Scottsboro, AL (FHA|USDA|VA) 3 $685,000 $228,333 $2,139 2.92%
Sevierville, TN (FHA|USDA|VA) 2 $680,000 $340,000 $4,808 3.19%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $675,000 $225,000 $7,786 3.33%
Burlington, IA-IL (FHA|USDA|VA) 1 $655,000 $655,000 $19,107 3.00%
MONROE, MI (FHA|USDA|VA) 2 $620,000 $310,000 $1,588 2.50%
AMARILLO, TX (FHA|USDA|VA) 2 $610,000 $305,000 $3,840 2.56%
Muskogee, OK (FHA|USDA|VA) 2 $610,000 $305,000 $3,742 3.13%
GREEN BAY, WI (FHA|USDA|VA) 4 $610,000 $152,500 $1,950 3.00%
Key West, FL (FHA|USDA|VA) 1 $595,000 $595,000 $3,188 2.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $595,000 $595,000 $3,573 2.99%
FARMINGTON, NM (FHA|USDA|VA) 3 $585,000 $195,000 $4,189 3.21%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $570,000 $285,000 $3,988 3.75%
Centralia, WA (FHA|USDA|VA) 1 $545,000 $545,000 $2,840 2.75%
NAPA, CA (FHA|USDA|VA) 1 $545,000 $545,000 $1,385 2.38%
BILLINGS, MT (FHA|USDA|VA) 1 $545,000 $545,000 $4,764 3.13%
Fredericksburg, TX (FHA|USDA|VA) 1 $545,000 $545,000 $6,141 2.63%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $545,000 $545,000 $3,236 2.25%
ROANOKE, VA (FHA|USDA|VA) 1 $545,000 $545,000 $2,933 3.38%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $530,000 $265,000 $6,019 3.31%
ERIE, PA (FHA|USDA|VA) 1 $525,000 $525,000 $6,385 2.50%
Pella, IA (FHA|USDA|VA) 2 $520,000 $260,000 $2,079 3.44%
TOLEDO, OH (FHA|USDA|VA) 2 $520,000 $260,000 $2,136 3.06%
WENATCHEE, WA (FHA|USDA|VA) 2 $520,000 $260,000 $1,351 2.74%
West Plains, MO (FHA|USDA|VA) 3 $515,000 $171,667 $2,629 3.04%
LINCOLN, NE (FHA|USDA|VA) 1 $515,000 $515,000 $2,755 2.25%
Sterling, CO (FHA|USDA|VA) 2 $510,000 $255,000 $2,753 3.63%
Elko, NV (FHA|USDA|VA) 1 $505,000 $505,000 $4,476 2.63%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $500,000 $250,000 $2,419 3.19%
MISSOULA, MT (FHA|USDA|VA) 1 $495,000 $495,000 $3,887 2.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $495,000 $165,000 $4,873 2.83%
MANHATTAN, KS (FHA|USDA|VA) 2 $480,000 $240,000 $7,072 2.56%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $475,000 $475,000 $2,132 2.87%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $470,000 $235,000 $2,719 3.00%
Stevens Point, WI (FHA|USDA|VA) 1 $465,000 $465,000 $2,481 3.13%
Ardmore, OK (FHA|USDA|VA) 1 $465,000 $465,000 $0 4.00%
Morehead City, NC (FHA|USDA|VA) 2 $460,000 $230,000 $1,980 2.50%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $455,000 $455,000 $2,321 2.63%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $455,000 $455,000 $1,013 2.50%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $455,000 $455,000 $4,113 2.63%
LONGVIEW, WA (FHA|USDA|VA) 1 $445,000 $445,000 $2,984 2.75%
Concord, NH (FHA|USDA|VA) 1 $435,000 $435,000 $17,412 2.25%
GREAT FALLS, MT (FHA|USDA|VA) 1 $425,000 $425,000 $1,746 2.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $425,000 $425,000 $5,155 2.50%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $425,000 $425,000 $876 2.63%
Salina, KS (FHA|USDA|VA) 2 $420,000 $210,000 $4,238 2.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $415,000 $138,333 $2,904 3.46%
RAPID CITY, SD (FHA|USDA|VA) 1 $415,000 $415,000 $3,190 1.75%
LYNCHBURG, VA (FHA|USDA|VA) 2 $410,000 $205,000 $4,785 3.31%
Sandpoint, ID (FHA|USDA|VA) 1 $405,000 $405,000 $2,338 2.63%
Torrington, CT (FHA|USDA|VA) 1 $405,000 $405,000 $2,758 2.99%
Cullowhee, NC (FHA|USDA|VA) 1 $405,000 $405,000 $5,542 2.63%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $405,000 $405,000 $3,948 2.88%
DOTHAN, AL (FHA|USDA|VA) 1 $395,000 $395,000 $2,828 2.38%
RACINE, WI (FHA|USDA|VA) 1 $395,000 $395,000 $15,269 2.25%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $395,000 $395,000 $3,174 2.25%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $395,000 $395,000 $3,851 2.63%
ST. GEORGE, UT (FHA|USDA|VA) 1 $395,000 $395,000 $1,596 3.12%
Harrison, AR (FHA|USDA|VA) 2 $390,000 $195,000 $1,682 3.00%
FRESNO, CA (FHA|USDA|VA) 1 $385,000 $385,000 $11,230 2.25%
MODESTO, CA (FHA|USDA|VA) 1 $385,000 $385,000 $1,585 2.50%
BRUNSWICK, GA (FHA|USDA|VA) 1 $385,000 $385,000 $9,222 2.25%
LONGVIEW, TX (FHA|USDA|VA) 1 $385,000 $385,000 $4,490 2.63%
Fort Leonard Wood, MO (FHA|USDA|VA) 2 $380,000 $190,000 $2,632 3.50%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $365,000 $365,000 $3,662 2.75%
Fergus Falls, MN (FHA|USDA|VA) 1 $355,000 $355,000 $1,590 2.25%
CHEYENNE, WY (FHA|USDA|VA) 1 $355,000 $355,000 $3,079 2.25%
SAGINAW, MI (FHA|USDA|VA) 1 $345,000 $345,000 $2,605 2.75%
Portsmouth, OH (FHA|USDA|VA) 1 $345,000 $345,000 $3,838 3.25%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $345,000 $345,000 $1,735 2.99%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $335,000 $335,000 $1,771 3.13%
Traverse City, MI (FHA|USDA|VA) 1 $325,000 $325,000 $3,623 3.00%
MORRISTOWN, TN (FHA|USDA|VA) 1 $325,000 $325,000 $1,340 2.75%
Kearney, NE (FHA|USDA|VA) 1 $315,000 $315,000 $1,940 2.88%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $305,000 $305,000 $3,627 3.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $305,000 $305,000 $14,632 2.75%
Elk City, OK (FHA|USDA|VA) 2 $300,000 $150,000 $3,453 4.06%
THE VILLAGES, FL (FHA|USDA|VA) 1 $295,000 $295,000 $3,788 2.40%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $295,000 $295,000 $3,592 3.25%
Ruston, LA (FHA|USDA|VA) 1 $295,000 $295,000 $2,657 2.75%
Marshall, MO (FHA|USDA|VA) 2 $290,000 $145,000 $2,085 3.44%
CHICO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $2,405 2.75%
Coos Bay, OR (FHA|USDA|VA) 1 $285,000 $285,000 $4,492 3.25%
EL PASO, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,882 2.75%
Central City, KY (FHA|USDA|VA) 1 $285,000 $285,000 $1,110 2.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $285,000 $285,000 $1,751 2.25%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $285,000 $285,000 $3,342 2.88%
LaGrange, GA-AL (FHA|USDA|VA) 1 $285,000 $285,000 $2,143 2.25%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,742 2.50%
Brookings, OR (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.25%
Stillwater, OK (FHA|USDA|VA) 2 $280,000 $140,000 $3,973 3.25%
Starkville, MS (FHA|USDA|VA) 1 $275,000 $275,000 $1,914 2.13%
Fairmont, MN (FHA|USDA|VA) 1 $275,000 $275,000 $1,964 3.25%
CLEVELAND, TN (FHA|USDA|VA) 1 $275,000 $275,000 $3,661 3.13%
Wilmington, OH (FHA|USDA|VA) 1 $265,000 $265,000 $6,125 2.25%
Laramie, WY (FHA|USDA|VA) 1 $265,000 $265,000 $3,286 3.25%
OCALA, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,814 2.99%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $265,000 $265,000 $1,335 2.13%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,112 2.75%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $265,000 $265,000 $1,840 3.13%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $265,000 $265,000 $4,431 2.99%
BISMARCK, ND (FHA|USDA|VA) 1 $265,000 $265,000 $1,315 2.25%
Bartlesville, OK (FHA|USDA|VA) 4 $260,000 $65,000 $3,204 4.38%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $255,000 $255,000 $7,946 2.25%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $255,000 $255,000 $2,125 2.99%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $245,000 $245,000 $1,527 2.38%
YUBA CITY, CA (FHA|USDA|VA) 1 $245,000 $245,000 $1,215 2.50%
LAREDO, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,665 3.25%
Tupelo, MS (FHA|USDA|VA) 1 $235,000 $235,000 $10,265 2.75%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $225,000 $225,000 $6,478 2.63%
ANN ARBOR, MI (FHA|USDA|VA) 1 $225,000 $225,000 $886 2.38%
Poplar Bluff, MO (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.75%
Portales, NM (FHA|USDA|VA) 1 $225,000 $225,000 $10,216 2.25%
Spearfish, SD (FHA|USDA|VA) 1 $215,000 $215,000 $3,284 3.63%
TYLER, TX (FHA|USDA|VA) 1 $205,000 $205,000 $1,994 2.38%
Lawrenceburg, TN (FHA|USDA|VA) 1 $205,000 $205,000 $4,599 3.13%
Alamogordo, NM (FHA|USDA|VA) 1 $205,000 $205,000 $6,175 2.63%
Bluffton, IN (FHA|USDA|VA) 1 $205,000 $205,000 $1,991 3.13%
Georgetown, SC (FHA|USDA|VA) 1 $195,000 $195,000 $3,041 3.00%
ABILENE, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.13%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $2,720 3.13%
Albemarle, NC (FHA|USDA|VA) 1 $175,000 $175,000 $4,964 3.49%
Marshalltown, IA (FHA|USDA|VA) 1 $175,000 $175,000 $2,507 2.99%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $165,000 $165,000 $2,834 2.50%
Newport, OR (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.25%
HAMMOND, LA (FHA|USDA|VA) 1 $165,000 $165,000 $3,570 3.38%
Hays, KS (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.88%
Shawnee, OK (FHA|USDA|VA) 1 $155,000 $155,000 $2,888 3.25%
Farmington, MO (FHA|USDA|VA) 1 $155,000 $155,000 $2,449 2.50%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,014 2.88%
FORT WAYNE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $890 3.37%
DALTON, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,163 3.13%
Ada, OK (FHA|USDA|VA) 1 $135,000 $135,000 $3,140 2.88%
Hutchinson, KS (FHA|USDA|VA) 1 $135,000 $135,000 $2,901 3.13%
ROME, GA (FHA|USDA|VA) 1 $125,000 $125,000 $2,555 2.88%
GADSDEN, AL (FHA|USDA|VA) 1 $115,000 $115,000 $2,089 3.50%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $3,181 3.13%
Helena, MT (FHA|USDA|VA) 1 $105,000 $105,000 $1,701 4.00%
Quincy, IL-MO (FHA|USDA|VA) 1 $95,000 $95,000 $2,440 2.88%
Oskaloosa, IA (FHA|USDA|VA) 1 $95,000 $95,000 $2,493 3.63%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $95,000 $95,000 $1,586 3.38%
DuBois, PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,535 3.50%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $65,000 $65,000 $3,060 3.49%
Miami, OK (FHA|USDA|VA) 1 $45,000 $45,000 $3,232 3.63%

The Central Trust Bank's top markets include St. Louis, Columbia, Jefferson City, Kansas City, and Springfield among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 10,094 $2,812,490,000 $278,630 $2,718 3.07%
VA 485 $186,125,000 $383,763 $6,975 2.57%
FHA 344 $73,630,000 $214,041 $7,247 3.04%
USDA 127 $22,655,000 $178,386 $4,744 2.99%

For the 2021 period, The Central Trust Bank's most frequently originated loan type of loans were Conventional, with 10,094 originations. Their 2nd most popular type is VA, with 485 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 5,453 $1,577,205,000 $289,236 $3,884 3.18%
Refi 3,553 $934,105,000 $262,906 $2,229 2.79%
Cash Out Refi 1,877 $546,355,000 $291,079 $2,745 3.12%
Home Improvement 95 $22,775,000 $239,737 $2,645 3.51%
Other 72 $14,460,000 $200,833 $2,429 3.32%

For the 2021, The Central Trust Bank's most frequently cited loan purpose of loans were Home Purchase, with 5,453 originations. The 2nd most popular reason of loans were Refi, with 3,553 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 7,533 $2,174,385,000 $288,648 $3,435 3.05%
15 Year 1,872 $420,270,000 $224,503 $2,326 2.57%
5 Year 450 $147,480,000 $327,733 $1,545 4.14%
20 Year 442 $96,070,000 $217,353 $2,193 3.09%
Other 299 $143,445,000 $479,749 $2,115 3.66%
10 Year 260 $50,990,000 $196,115 $2,107 2.76%
1 Year 137 $28,145,000 $205,438 $1,594 4.53%
3 Year 57 $34,115,000 $598,509 $1,940 4.26%

For the 2021, The Central Trust Bank's most frequently cited loan length of loans were 30 Year, with 7,533 originations. The 2nd most popular length of loans were 15 Year, with 1,872 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 6,199 $1,706,865,000 $275,345
$1k-2k 2,984 $765,040,000 $256,381
$2k-3k 273 $85,625,000 $313,645
$3k-4k 226 $78,480,000 $347,257
$5k+ 65 $31,165,000 $479,462

$3,435 of loans were The Central Trust Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 6,199 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 4,516 $1,293,470,000 $286,419
3-4% 3,932 $1,052,150,000 $267,586
<2.5% 1,917 $604,835,000 $315,511
4-5% 668 $141,400,000 $211,677
5-6% 16 $2,990,000 $186,875
6-7% 1 $55,000 $55,000

During 2021, The Central Trust Bank's average interest rate of loans were 3.05%, while their most frequently originated rate bucket of loans were 2.5-3%, with 4,516 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 4,384 $1,252,170,000 $285,623 $3,203 2.96%
$100k-200k 3,529 $526,575,000 $149,214 $2,612 3.15%
$400k-600k 1,651 $796,045,000 $482,159 $3,932 2.80%
$100,000 or less 1,140 $82,630,000 $72,482 $2,232 3.41%
$600k-1MM 252 $187,310,000 $743,294 $5,226 3.00%
$1MM+ 94 $250,170,000 $2,661,383 $5,603 3.38%

2021 saw The Central Trust Bank place emphasis on $200k-400k loans with 4,384 originations, totaling $1,252,170,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 2,333 $694,775,000 $297,803 $3,203 2.93%
$50k-75k 2,045 $400,015,000 $195,606 $3,131 3.06%
$75k-100k 1,792 $435,190,000 $242,852 $3,207 2.98%
$150k-250k 1,696 $620,650,000 $365,949 $3,134 2.86%
$50k or less 1,472 $197,640,000 $134,266 $2,856 3.15%
$250k+ 828 $388,840,000 $469,614 $3,292 2.92%

The Central Trust Bank lent most frequently to those with incomes in the $100k-150k range, with 2,333 originations. The second most popular income band? $50k-75k, with 2,045 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 2,887 $765,775,000 $265,249 $2,836 2.94%
30-36% 2,053 $551,995,000 $268,872 $3,061 2.99%
<20% 1,337 $341,095,000 $255,120 $2,513 2.90%
36% 347 $96,345,000 $277,651 $3,286 3.04%
39% 327 $85,175,000 $260,474 $3,275 3.05%
41% 320 $91,230,000 $285,094 $3,215 3.03%
40% 319 $88,745,000 $278,197 $3,446 2.98%
37% 314 $88,120,000 $280,637 $3,228 3.03%
38% 309 $75,155,000 $243,220 $3,308 3.01%
42% 300 $83,080,000 $276,933 $3,483 3.05%
43% 299 $72,805,000 $243,495 $3,468 3.07%
44% 285 $79,755,000 $279,842 $3,694 3.05%
45% 213 $56,885,000 $267,066 $3,677 3.02%
49% 198 $55,140,000 $278,485 $3,227 3.02%
46% 196 $54,270,000 $276,888 $3,526 2.91%
47% 194 $58,590,000 $302,010 $4,004 2.98%
50-60% 183 $57,215,000 $312,650 $5,995 3.05%
48% 151 $41,345,000 $273,808 $3,803 3.00%
>60% 83 $25,875,000 $311,747 $3,463 3.40%

The Central Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 2,887 originations. The next most common DTI ratio? 30-36%, with 2,053 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 8,590 $2,222,310,000 $258,709 $3,079 3.00%
Not applicable 606 $287,630,000 $474,637 $0 4.16%
Not provided 806 $243,400,000 $301,985 $3,311 2.95%
Asian 541 $195,175,000 $360,767 $2,981 2.72%
Black 275 $67,145,000 $244,164 $4,047 3.04%
Asian Indian 102 $39,190,000 $384,216 $2,631 2.62%
American Indian 91 $26,315,000 $289,176 $3,555 3.06%
Chinese 13 $4,275,000 $328,846 $2,879 2.86%
Other Asian 8 $3,590,000 $448,750 $2,597 2.66%
Korean 7 $2,885,000 $412,143 $2,212 2.82%
Native Hawaiian 5 $1,785,000 $357,000 $4,328 3.10%
Vietnamese 2 $540,000 $270,000 $2,671 2.87%
Guamanian 2 $390,000 $195,000 $2,758 2.94%
Other Pacific Islander 1 $225,000 $225,000 $2,577 2.88%
1 $45,000 $45,000 $2,006 2.88%

Approval Rates

Total approvals of all applications
97.37%

The Central Trust Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
84.03%

The Central Trust Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 11,050 $3,094,900,000 $280,081

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
11,050 $3,094,900,000 $280,081

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 646 $105,590,000 $163,452 $2,333 2.96%
40-60% 1,836 $475,350,000 $258,905 $2,385 2.87%
60-80% 4,488 $1,345,950,000 $299,900 $2,760 3.08%
80-100% 3,860 $1,113,680,000 $288,518 $3,759 3.10%
Over 100% 84 $32,500,000 $386,905 $13,555 2.81%
Under 20% 107 $11,825,000 $110,514 $1,516 3.64%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
The Central Trust Bank 3533 Country Club Dr Jefferson City, MO 65109 Full Service B&M $141,129
The Central Trust Bank 100 State Road Ae New Bloomfield, MO 65063 Full Service B&M $13,313
The Central Trust Bank 111 E Miller St Jefferson City, MO 65101 Full Service B&M $249,523
The Central Trust Bank 116-124 East Miller Street Jefferson City, MO 65101 Full Service B&M $389,266
The Central Trust Bank 1211 Main Avenue Durango, CO 81301 Full Service B&M $3,149
The Central Trust Bank 155 Northstar Drive Holts Summit, MO 65043 Full Service B&M $64,984
The Central Trust Bank 2020 North Bluff Fulton, MO 65251 Full Service B&M $3,079
The Central Trust Bank 2116 Nelwood Drive Columbia, MO 65202 Full Service Cyber Office $37,880
The Central Trust Bank 238 Madison Street Jefferson City, MO 65101 Limited, Drive-thru $0
The Central Trust Bank 238 Madison Street Jefferson City, MO 65101 Full Service B&M $1,232,385
The Central Trust Bank 329 South Oak California, MO 65018 Full Service B&M $52,694
The Central Trust Bank 401 Supercenter Dr Jefferson City, MO 65101 Full Service Retail $6,370
The Central Trust Bank 410 Market Street Fulton, MO 65251 Full Service B&M $156,662
The Central Trust Bank 5278 North Nevada Avenue Suite 100 Colorado Springs, CO 80918 Limited, Drive-thru $5,499
The Central Trust Bank 724 West Stadium Boulevard Jefferson City, MO 65101 Full Service Retail $30,428
The Central Trust Bank 8000 E. Belleview Avenue Greenwood Village, CO 80111 Full Service B&M $5,623
The Central Trust Bank Missouri 52 Highway And High Street Tuscumbia, MO 65082 Full Service B&M $33,082
The Central Trust Bank U.S. Highway 50 California, MO 65018 Full Service B&M $21,589

For 2021, The Central Trust Bank had 18 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $516,613
Net interest income $494,840
Total noninterest income $277,033
Gross Fiduciary activities income $38,101
Service charges on deposit accounts $41,646
Trading account gains and fees $8
Additional Noninterest Income $197,278
Pre-tax net operating income $333,637
Securities gains (or losses, -) $1,402
Income before extraordinary items $258,051
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $258,051
Minority interest net income $0
Net income $258,051
Sale, conversion, retirement of capital stock, net $0
Net operating income $256,943

The Central Trust Bank's gross interest income from loans was $516,613,000.
The Central Trust Bank's net interest income from loans was $494,840,000.
The Central Trust Bank's fee based income from loans was $41,646,000.
The Central Trust Bank's net income from loans was $258,051,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $21,773
Provision for credit losses $6,146
Total noninterest expense $432,090
Salaries and employee benefits $241,717
Premises and equipment expense $37,838
Additional noninterest expense $152,535
Applicable income taxes $76,988
Net charge-offs $4,215
Cash dividends $85,000

The Central Trust Bank's interest expense for loans was $21,773,000.
The Central Trust Bank's payroll and benefits expense were $241,717,000.
The Central Trust Bank's property, plant and equipment expenses $37,838,000.

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 $16,155,544
Deposits held in domestic offices $16,155,544
Deposits by Individuals, partnerships, and corporations $14,230,071
Deposits by U.S. Government $256
Deposits by States and political subdivisions in the U.S. $1,893,962
Deposits by Commercial banks and other depository institutions in U.S. $31,255
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,788,475
Demand deposits $1,425,025
Nontransaction accounts $14,367,069
Money market deposit accounts (MMDAs) $11,253,333
Other savings deposits (excluding MMDAs) $1,864,758
Total time deposits $1,248,978
Total time and savings deposits $14,730,519
Noninterest-bearing deposits $6,301,153
Interest-bearing deposits $9,854,391
Retail deposits $15,888,302
IRAs and Keogh plan accounts $275,439
Brokered deposits $4,259
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $20,248,406
Cash & Balances due from depository institutions $3,416,118
Interest-bearing balances $3,266,984
Total securities $5,721,470
Federal funds sold & reverse repurchase $1,578
Net loans and leases $10,217,059
Loan and leases loss allowance $152,387
Trading account assets $0
Bank premises and fixed assets $209,710
Other real estate owned $6,644
Goodwill and other intangibles $402,696
All other assets $273,131

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $20,248,406
Total Liabilities $18,338,614
Total deposits $16,155,544
Interest-bearing deposits $9,854,391
Deposits held in domestic offices $16,155,544
% insured (estimated) $75
Federal funds purchased and repurchase agreements $1,421,371
Trading liabilities $0
Other borrowed funds $640,000
Subordinated debt $0
All other liabilities $121,699

Issued Loan Types

Type Value (in 000's)
Net loans and leases $10,217,059
Loan and leases loss allowance $152,387
Total loans and leases (domestic) $10,369,446
All real estate loans $7,241,884
Real estate loans in domestic offices $7,241,884
Construction and development loans $856,527
Residential 1-4 family construction $312,920
Other construction, all land development and other land $543,607
Loans secured by nonfarm nonresidential properties $3,415,515
Nonfarm nonresidential secured by owner-occupied properties $1,236,143
Commercial real estate & other non-farm, non-residential $2,179,372
Multifamily residential real estate $722,568
1-4 family residential loans $1,973,249
Farmland loans $274,025
Loans held in foreign offices $0
Farm loans $72,087
Commercial and industrial loans $1,468,089
To non-U.S. addressees $0
Loans to individuals $1,029,443
Credit card loans $74,405
Related Plans $39,391
Consumer Auto Loans $581,972
Other loans to individuals $333,675
All other loans & leases $571,725
Loans to foreign governments and official institutions $0
Other loans $173,386
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $80,603
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $5,846
Non 1-4 family restructured loans & leases $4,722
Total loans and leases (foreign) $0

The Central Trust Bank had $10,217,059,000 of loans outstanding in 2021. $7,241,884,000 of loans were in real estate loans. $856,527,000 of loans were in development loans. $722,568,000 of loans were in multifamily mortgage loans. $1,973,249,000 of loans were in 1-4 family mortgage loans. $72,087,000 of loans were in farm loans. $74,405,000 of loans were in credit card loans. $581,972,000 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 3,274 $693,610 $211,854
Nonfarm, nonresidential loans - <$100k 698 $25,109 $35,973
Nonfarm, nonresidential loans - $100-250k 1,021 $117,622 $115,203
Nonfarm, nonresidential loans - $250k-1MM 1,555 $550,879 $354,263
Commercial & Industrial, US addressed loans - <$1MM 38,803 $518,322 $13,358
Commercial & Industrial, US addressed loans - <$100k 36,937 $161,388 $4,369
Commercial & Industrial, US addressed loans - $100-250k 992 $101,291 $102,108
Commercial & Industrial, US addressed loans - $250k-1MM 874 $255,643 $292,498
Farmland loans - <$1MM 1,265 $148,255 $117,198
Farmland loans - <$100k 504 $18,978 $37,655
Farmland loans - $100-250k 507 $61,678 $121,653
Farmland loans - $250k-1MM 254 $67,599 $266,138
Agriculture operations loans - <$1MM 1,963 $59,507 $30,314
Agriculture operations loans - <$100k 1,797 $33,220 $18,486
Agriculture operations loans - $100-250k 115 $12,208 $106,157
Agriculture operations loans - $250k-1MM 51 $14,079 $276,059