Central Bank & Trust Co. in Lexington, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Central Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 15815
    Status: Active
    Federal Reserve ID: 1007015
    Bank Holding Company (Regulatory Top Holder): Central Bancshares, Inc. (RSSDID: 2158156, Location: Lexington, KY)
    Date Established: April 15, 1938
    WWW: http://www.centralbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 23 (Domestic: 23, Interstate: No)
    OTS Docket #: 11038
    FDIC's unique #: 10059
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 30, 1941
    Last Structure Change Effective Date: January 18, 2011
    Last Structure Change Process Date: Febuary 22, 2011
    Last Data Update: Febuary 22, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 West Vine Street, Lexington, KY 40507
    County: Fayette
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Lexington, KY (#4280)
    Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
    Core Based Statistical Area (CBSA): Lexington-Fayette, KY (#30460)
    CBSA Metro Statistical Area: Lexington-Fayette, KY (#30460)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $1,908.6 mil
    Equity capital: $171.6 mil
    Deposits held in domestic offices: $1,648.8 mil
    Return on assets (ROA): 0.63% ($12.0 mil)
    Quarterly return on assets: 0.67% ($12.8 mil)
    Return on Equity (ROE): 7.07% ($12.2 mil)
    Quarterly return on equity: 7.46% ($12.8 mil)
    Net income: $11.9 mil
    Quarterly Net income: $3.2 mil
    Pretax return on assets: 0.62% ($11,833.1 mil)
    Quarterly Pretax return on assets: 0.53% ($10,115.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 438Total employees (full-time equivalent)
  • $1,908,559Total assets
  • $190,967Cash and due from depository institutions
  • $143,384Interest-bearing balances
  • $154,046Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,443,222Net loans & leases
  • $26,028Loan loss allowance
  • $0Trading account assets
  • $33,941Bank premises and fixed assets
  • $21,956Other real estate owned
  • $11,727Goodwill and other intangibles
  • $1,908,559Life insurance assets
  • $52,700All other assets
  • $1,736,976Total liabilities and capital
  • $1,648,796Total liabilities
  • $1,338,802Total deposits
  • $1,648,796Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 63522.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,760Trading liabilities
  • $0Other borrowed funds
  • $10,898Subordinated debt
  • $171,583All other liabilities
  • $171,583Total equity capital
  • $171,583Total bank equity capital
  • $0Perpetual preferred stock
  • $3,500Common stock
  • $38,417Surplus
  • $129,666Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $11,411Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $44,593Income earned, not collected on loans
  • $722Earning assets
  • $5,442Long-term assets (5+ years)
  • $1,740,652Average Assets, year-to-date
  • $201,476Average Assets, quarterly
  • $1,895,671Volatile liabilities
  • $1,895,530Insider loans
  • $1,537,232FHLB advances
  • $1,877,473Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $158,672Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $355,697Restructured Loans and leases
  • $3,329Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $83,479Total interest income
  • $13,464Total interest expense
  • $70,015Net interest income
  • $14,477Provision for loan and lease losses
  • $29,842Total noninterest income
  • $4,423Fiduciary activities
  • $10,122Service charges on deposit accounts
  • $0Trading account gains & fees
  • $15,297Additional noninterest income
  • $73,698Total noninterest expense
  • $34,914Salaries and employee benefits
  • $13,255Premises and equipment expense
  • $25,529Additional noninterest expense
  • $11,682Pre-tax net operating income
  • $26Securities gains (losses)
  • -$169Applicable income taxes
  • $11,877Income before extraordinary items
  • $0Extraordinary gains - net
  • $11,877Net income attributable to bank
  • $0Net charge-offs
  • $11,877Cash dividends
  • $8,745Sale, conversion, retirement of capital stock, net
  • $4,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 4.08%Net interest margin
  • 1.74%Noninterest income to earning assets
  • 4.29%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 7.07%Return on equity (ROE)
  • 4.57%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 165.55%Credit loss provision to net charge-offs
  • 2.99%Efficiency ratio
  • 73,308Assets per employee
  • 4.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.36%Loss allowance to loans
  • 1.77%Loss allowance to noncurrent loans
  • 58.37%Noncurrent assets plus other real estate owned to assets
  • 3.49%Noncurrent loans to loans
  • 3.04%Net loans and leases to deposits
  • 87.53%Net loans and leases to core deposits
  • 99.35%Equity capital to assets
  • 8.99%Core capital (leverage) ratio
  • 8.45%Tier 1 risk-based capital ratio
  • 10.32%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,895,671Average earning assets
  • $167,883Average equity
  • $1,717,491Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $820,790Managed Assets
  • 1Number of Accounts
  • $768,270Personal trust and agency accounts
  • $158,990Employee benefit-defined contribution accounts
  • $174,424Employee benefit-defined benefit accounts
  • $29,023Other retirement accounts
  • $84,098Corporate trust and agency accounts
  • $26Investment management agency accounts
  • $292,242Other fiduciary accounts
  • $29,467Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 739Number of Accounts
  • $0Personal trust and agency accounts
  • $84,098Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $52,520Other retirement accounts
  • $67Corporate trust and agency accounts
  • $38,797Other fiduciary accounts
  • $3,652Fiduciary accounts held in foreign offices

List of branches

  • 23 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010059Central Bank & Trust Co.300 West Vine Street, Lexington, KY 40507April 15, 1938Full Service Brick and Mortar
    3235555Southland Branch256 Southland Drive, Lexington, KY 40503January 10, 1968Full Service Brick and Mortar
    4235556Nicholasville Road Branch100 East Reynolds Road, Fayette County, KY 40503October 13, 1971Full Service Brick and Mortar
    5235557Richmond Road Branch2233 Richmond Road, Lexington, KY 40502November 15, 1971Full Service Brick and Mortar
    6235558Versailles Road Branch2347 Versailles Road, Lexington, KY 40504August 03, 1972Full Service Brick and Mortar
    7235559North Park Branch515 New Circle Road, N.W., Lexington, KY 40505August 03, 1972Full Service Brick and Mortar
    8235560Tates Creek Road Branch3270 Tates Creek Road, Lexington, KY 40502August 03, 1972Full Service Brick and Mortar
    16235562Tates Creek Centre Branch4090 Tates Creek Centre Dr, Lexington, KY 40517June 23, 1983Full Service Brick and Mortar
    18235564Harrodsburg Road Branch3705 Harrodsburg Road, Lexington, KY 40504Febuary 02, 1991Full Service Brick and Mortar
    19235565Andover Banking Center Branch3101 Maple Leaf Drive, Lexington, KY 40509April 15, 1996Full Service Brick and Mortar
    2043390North Maple Branch43 North Maple Street, Winchester, KY 40391January 01, 1885Full Service Brick and Mortar
    21280775Pioneer Drive1110 Pioneer Drive, Winchester, KY 40391March 01, 1990Full Service Brick and Mortar
    22453450Turfway Road Branch7310 Turfway Road, Florence, KY 41042October 01, 2005Full Service Brick and Mortar
    24458831Berea Branch101 Brentwood Street, Berea, KY 40403October 09, 2006Full Service Brick and Mortar
    25466428Richmond Branch300 West Main Street, Richmond, KY 40475August 01, 2006Full Service Brick and Mortar
    26466429Fort Mitchell Branch2075 Dixie Highway, Fort Mitchell, KY 41011June 11, 2007Full Service Brick and Mortar
    27493374Sir Barton Branch2443 Sir Barton Way, Lexington, KY 40509August 25, 2008Full Service Brick and Mortar
    28493833Crestview Hills Branch2850 Turkey Foot Rd, Crestview Hills, KY 41017October 27, 2008Full Service Brick and Mortar
    29508429Eastland Banking Center649 East New Circle Road, Lexington, KY 40505May 03, 2010Full Service Brick and Mortar
    3060640Nicholasville Branch301 North Main Street, Nicholasville, KY 40356Febuary 02, 1998Full Service Brick and Mortar
    31363697Georgetown Branch137 East Main Street, Georgetown, KY 40324March 03, 2002Full Service Brick and Mortar
    32363799Georgetown Branch - Connector Road410 Connector Road, Georgetown, KY 40324May 24, 2002Full Service Brick and Mortar
    33495713Keene Road Branch1471 Keene Rd, Nicholasville, KY 40356November 15, 2006Full Service Brick and Mortar

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