Cenlar FSB

Cenlar FSB is headquartered in Trenton and is the 37^th largest bank in the state of New Jersey. It is also the 993^rd largest bank in the nation. It was established in 1912 and as of December of 2011, it had grown to 598 employees at 1 location. Cenlar FSB has a 4-star health rating.

Cenlar FSB Routing Number: 231271365

Data for Q4 2011

Institution Statistics Cenlar FSB OTS # 06230 FDIC Certificate # 30996 BankRate Report View Year Established 1912 Employees 598 Primary Regulator OCC Assets and Liabilities Assets $660.18 million Loans $54.46 million Deposits $487.92 million Equity Capital $44.76 million Loan Loss Allowance $393,000 Unbacked Noncurrent Loans $3.25 million Real Estate Owned $660,000 Historic Data - December 2010 Assets $580.11 million Equity Capital $35.07 million Loan Loss Allowance $250,000 Unbacked Noncurrent Loans $905,000 Real Estate Owned $1.16 million Profit Margin - Quarterly Net Interest Margin 3.1% Return on Assets 2.04% Return on Equity 32.61% Interest Income $24.00 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Cenlar FSB had $3.91 million in non-current loans and owned real-estate with $45.15 million in equity and loan loss allowances on hand to cover it. This gives Cenlar FSB a Texas Ratio of 8.67% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cenlar FSB held steady from 5.30% as of December 31, 2010 to 8.67% as of December 31, 2011, resulting in a negative change of 63.48%. This indicates that the balance sheet and financial strength for Cenlar FSB has held steady in recent periods. Deposit Growth In the past year, Cenlar FSB has increased its total deposits by $130.71 million, resulting in 36.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cenlar FSB has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cenlar FSB has $660.18 million in assets with $45.15 million in equity, resulting in a capitalization level of 6.84%, which is below average.

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