The Central Trust Bank

Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10). A current level of 1.2 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (7.8).

Other Rating Factors: Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.5) profitability. Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 8.2.

Asset Mix: Securities (26%), comm re (18%), home mtgs (13%), cash (9%), comm loans (7%), consumer loans (5%), home eq lns (2%), other (19%)

States with Branches: CO, FL, IL, KS, MO, OK

Asset Quality

Non-Performing Loans to Capital

1.22%

Non-Performing Assets to Assets

0.13%

Non-Performing Loans to Loans

0.21%

Loan Loss Reserves to Loans

1.35%

Charge-Offs to Average Loans

0.12%

5-Year Charge-Offs to Average Loans

0.10%

5-Year Asset Growth

127.22%

1-Year Asset Growth

-1.60%

Profitability

Operating Profit to Average Assets

1.64%

Return on Equity

16.03%

Net Interest Spread

3.21%

5-Year ROAA (Return on Average Assets)

1.78%

Overhead Efficiency Ratio

56.43%

Liquidity

Liquidity Ratio

16.55%

Hot Money

5.94%

Corporate Info

Group Affiliation

Central Bancompany, Inc.

Investment Rating

Address

238 Madison Street
Jefferson City, MO 65101

Phone Number

(573) 634-1302

Year Founded

1902

FDIC Number

12633

Website

http://www.centralbank.net

Largest Affiliates

No affiliate information available.