The Central Trust Bank in Jefferson City, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Central Trust Bank in Jefferson City, Missouri (MO)
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The Central Trust Bank - Overview

  • General
  • FDIC Certificate #: 12633
    Status: Active
    Federal Reserve ID: 853952
    Bank Holding Company (Regulatory Top Holder): Central Bancompany (RSSDID: 1094314, Location: Jefferson City, MO)
    Date Established: Febuary 03, 1902
    WWW: http://www.centralbank.net
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 11369
    FDIC's unique #: 8021
    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: All Other Specialization > 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 238 Madison Street, Jefferson City, MO 65101
    County: Cole
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Jefferson City, MO (#27620)
    CBSA Metro Statistical Area: Jefferson City, MO (#27620)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $2,004.0 mil
    Equity capital: $182.7 mil
    Deposits held in domestic offices: $1,184.0 mil
    Return on assets (ROA): 1.18% ($23.6 mil)
    Quarterly return on assets: 0.94% ($18.8 mil)
    Return on Equity (ROE): 14.49% ($26.5 mil)
    Quarterly return on equity: 11.13% ($20.4 mil)
    Net income: $24.8 mil
    Quarterly Net income: $5.0 mil
    Pretax return on assets: 1.76% ($35,270.1 mil)
    Quarterly Pretax return on assets: 1.37% ($27,454.6 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
  • 522Total employees (full-time equivalent)
  • $2,003,982Total assets
  • $249,387Cash and due from depository institutions
  • $181,419Interest-bearing balances
  • $967,913Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $684,873Net loans & leases
  • $14,368Loan loss allowance
  • $1,586Trading account assets
  • $49,988Bank premises and fixed assets
  • $1,211Other real estate owned
  • $9,180Goodwill and other intangibles
  • $2,003,982Life insurance assets
  • $39,844All other assets
  • $1,821,302Total liabilities and capital
  • $1,183,973Total liabilities
  • $828,513Total deposits
  • $1,183,973Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 610176.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $929Trading liabilities
  • $0Other borrowed funds
  • $26,224Subordinated debt
  • $182,680All other liabilities
  • $182,680Total equity capital
  • $182,680Total bank equity capital
  • $0Perpetual preferred stock
  • $4,000Common stock
  • $50,286Surplus
  • $128,394Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $7,989Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,295Income earned, not collected on loans
  • $343Earning assets
  • $7,143Long-term assets (5+ years)
  • $1,835,791Average Assets, year-to-date
  • $288,234Average Assets, quarterly
  • $2,101,399Volatile liabilities
  • $2,139,303Insider loans
  • $891,928FHLB advances
  • $1,971,248Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $141,454Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $238,456Restructured Loans and leases
  • $55,667Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $59,254Total interest income
  • $8,362Total interest expense
  • $50,892Net interest income
  • $2,314Provision for loan and lease losses
  • $64,304Total noninterest income
  • $0Fiduciary activities
  • $4,627Service charges on deposit accounts
  • $13Trading account gains & fees
  • $59,664Additional noninterest income
  • $75,973Total noninterest expense
  • $31,893Salaries and employee benefits
  • $8,837Premises and equipment expense
  • $35,243Additional noninterest expense
  • $36,909Pre-tax net operating income
  • $108Securities gains (losses)
  • $12,176Applicable income taxes
  • $24,841Income before extraordinary items
  • $0Extraordinary gains - net
  • $24,841Net income attributable to bank
  • $0Net charge-offs
  • $24,841Cash dividends
  • $2,097Sale, conversion, retirement of capital stock, net
  • $12,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.04%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 2.61%Net interest margin
  • 3.29%Noninterest income to earning assets
  • 3.89%Noninterest expense to earning assets
  • 1.18%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 14.49%Return on equity (ROE)
  • 7.49%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 110.35%Credit loss provision to net charge-offs
  • 18.70%Efficiency ratio
  • 65,951Assets per employee
  • 3.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.31%Loss allowance to loans
  • 2.05%Loss allowance to noncurrent loans
  • 139.56%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 1.47%Net loans and leases to deposits
  • 57.85%Net loans and leases to core deposits
  • 61.10%Equity capital to assets
  • 9.12%Core capital (leverage) ratio
  • 7.18%Tier 1 risk-based capital ratio
  • 15.86%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $2,101,399Average earning assets
  • $171,404Average equity
  • $1,951,624Average loans

Total Fiduciary and Related Assets (December 31, 2006)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $589,066Managed Assets
  • 1Number of Accounts
  • $533,975Personal trust and agency accounts
  • $227,995Employee benefit-defined contribution accounts
  • $27,085Employee benefit-defined benefit accounts
  • $107,855Other retirement accounts
  • $30,742Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $140,298Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 799Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $55,091Other retirement accounts
  • $4,566Corporate trust and agency accounts
  • $46,297Other fiduciary accounts
  • $4,208Fiduciary accounts held in foreign offices

List of branches

  • 13 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08021The Central Trust Bank238 Madison Street, Jefferson City, MO 65101Febuary 03, 1902Full Service Brick and Mortar
    1227580Central Motor Branch116-124 East Miller Street, Jefferson City, MO 65101April 24, 1962Full Service Brick and Mortar
    2227581Central Bank West BranchHighway 50 West & Country Club Drive, Jefferson City, MO 65101July 12, 1978Full Service Brick and Mortar
    45478Tuscumbia FacilityMissouri 52 Highway And High Street, Tuscumbia, MO 65082January 08, 1903Full Service Brick and Mortar
    5227582Limited Service Branch (Courier)238 Madison Street, Jefferson City, MO 65101March 29, 1988Limited Service Facility
    6227583Wal-Mart Supercenter Facility724 West Stadium Boulevard, Jefferson City, MO 65101June 23, 1990Full Service Retail
    7227584Holts Summit Branch155 Northstar Drive, Holts Summit, MO 65043December 19, 1994Full Service Brick and Mortar
    85674South Oak Branch329 South Oak, California, MO 65018January 01, 1885Full Service Brick and Mortar
    9219122Village Green FacilityU.S. Highway 50, California, MO 65018January 14, 1980Full Service Brick and Mortar
    1043026Fulton Branch410 Market Street, Fulton, MO 65251January 01, 1912Full Service Brick and Mortar
    12491489The Central Trust Bank - Wal Mart Ea401 Supercenter Dr, Jefferson City, MO 65101June 13, 2009Full Service Retail
    13492901Www.Centralbank.net Branch2116 Nelwood Drive, Columbia, MO 65202January 01, 2009Full Service Cyber
    14512437Fulton North Branch2020 North Bluff, Fulton, MO 65251September 07, 2010Full Service Brick and Mortar

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