The Central Trust Bank Reports – 853952

The Central Trust Bank Financial Reports

Quater Ended: 2023-12-31

The Central Trust Bank is a N/A located in Jefferson City, MO. Established on 02/03/1902, the bank is regulated by the FED and has 181 domestic offices. It operates in the Jefferson City, MO.

The bank has 2849 employees and holds $19,000,390k in total assets. With a focus on community banking, the bank has been serving its customers since 02/03/1902.

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The Central Trust Bank Institution Profile

Established Date 02/03/1902 Institution Class N/A
Primary Regulator FED Number of Domestic Offices 181
Number of Foreign Offices 0 Number of US Offices 0
Number of Employees 2849 Directly owned by another bank (CERT) No
Community Bank No ZIP 65101
Ownership Type Not Mutual City Jefferson City
State Alpha code MO State and County Number 29051
Subchapter S Corporations No Trust Powers N/A
Federal Reserve ID Number 8 Federal Reserve ID Number Description ST. LOUIS
Office of The Comptroller District: WESTERN DISTRICT Office of Thrift Supervision Region West
Last Structure Change Effective Date 08/31/2022 Date of Deposit Insurance 01/01/1934
Primary Insurance Agency DIF

Institution Profile Overview

Delve into the foundational details of The Central Trust Bank with our “Institution Profile” table. The 02/03/1902 marks the bank’s inception, providing historical context. Categorized as a N/A, the bank operates under the oversight of FED, ensuring compliance and regulatory adherence.

181 domestic offices reflect the bank’s physical footprint, while insights into ownership type, trust powers, and regulatory affiliations contribute to understanding its operational structure. Details such as Jefferson City, MO, and 65101 provide geographic context. Explore these attributes to gain a holistic view of The Central Trust Bank in the financial landscape.

The Central Trust Bank Financials

(USD, in thousands)

Total Assets 19,000,390 Total Liabilities 17,403,117
Total Equity Capital 1,597,273 Total Deposits 15,069,558
Net Loans and Leases 11,352,134 Total Interest Income 211,544
Total Noninterest Income 54,177 Total Interest Expense 64,084
Total Noninterest Expense 119,261 Tier 1 Risk-Based Capital Ratio 12
Net Loans and Leases to Core Deposits 78 Return on Assets 1
Return on Equity 11 Efficiency Ratio 59

Financial Performance Overview

Gain a comprehensive perspective on The Central Trust Bank’s financial landscape through our “Financials” table. The bank boasts total assets of $19,000,390k, showcasing its substantial scale and influential market presence. A nuanced breakdown reveals insights into the bank’s financial structure and stability, with total liabilities standing at $17,403,117k and total equity capital at $1,597,273k.

Delve into key operational metrics, including total deposits of $15,069,558k, net loans and leases at $11,352k, and a meticulous analysis of income and expense components. Explore vital ratios such as the Tier 1 Risk-Based Capital Ratio, standing at 12.2353, and Return on Assets at 0.94. These metrics provide valuable insights into the bank’s risk management strategies and overall profitability.

This detailed financial overview is designed to enhance your understanding of The Central Trust Bank’s performance and competitive positioning within the financial industry.

The Central Trust Bank Additional Financial Information

(USD, in thousands)

Earnings Coverage of Net Loan Charge-Offs(x) 25 Net Loans and Leases to Core Deposits 78
Tier 1 Risk-Based Capital Ratio 12 Securities Gains (Losses) -19,513
Goodwill and Other Intangibles N/A Cost of Funding Earning Assets 1
Yield on Earning Assets 5 Total Interest Income 211,544
Applicable Income Taxes 13,084 Loss Allowance to Loans and Leases 1
Net Loans and Leases 11,352,134 Loss Allowance to Noncurrent Loans and Leases 751
Noncurrent Loans to Loans 0 Net Income Attributable to Bank and Noncontrolling Interests 43,879
Net Interest Income 147,460 Net Interest Margin 3
Net Operating Income to Assets 1 Noninterest Income to Average Assets 1
Total Noninterest Income 54,177 Noninterest Expense to Average Assets 3
Total Noninterest Expense 119,261 Net Charge-Offs to Loans and Leases 0
All Other Assets 316,532 Other Real Estate Owned 4,344
Other borrowed funds 980,000 Pre-tax Net Operating Income 76,476
Pretax Return on Assets 1 Return on Assets 1
Retained Earnings to Average Equity (YTD only) -6

Insights into Financial Metrics

Enhance your understanding of The Central Trust Bank’s financial standing through our “Additional Financial Information” table. Explore key metrics such as Net Loans and Leases: $11,352,134k and Net Interest Income $147,460k to gain valuable insights into the bank’s core operations and revenue streams. Assess the Tier 1 Risk-Based Capital Ratio: 12.2353 for in-depth insights into capital adequacy and risk management strategies.

Delve into the intricacies of Net Charge-Offs to Loans and Leases: 0.24 to evaluate the bank’s asset quality and risk mitigation efforts. Examine the composition of income through Total Noninterest Income:$54,177k and evaluate operational efficiency using metrics like Efficiency Ratio: 58.71. This nuanced financial overview empowers a comprehensive analysis of The Central Trust Bank’s strategic financial position and performance in the industry.

This table provides key financial information about The Central Trust Bank. Get more data about The Central Trust Bank on Visbanking Report Portal.