Centennial Bank (CA)

Centennial Bank (CA) is headquartered in Fountain Valley and is the 80^th largest bank in the state of California. It is also the 1,229^th largest bank in the nation. It was established in 1979 and as of December of 2012, it had grown to 17 employees at 1 location. Centennial Bank (CA) has a 3-star health rating.

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Data for Q4 2012

Institution Statistics Centennial Bank FDIC Certificate # 32707 BankRate Report View Year Established 1979 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $546.17 million Loans $431.50 million Deposits $349.72 million Equity Capital $101.83 million Loan Loss Allowance $12.36 million Unbacked Noncurrent Loans $64.80 million Real Estate Owned $1.63 million Historic Data - December 2011 Assets $657.57 million Equity Capital $95.60 million Loan Loss Allowance $15.75 million Unbacked Noncurrent Loans $67.13 million Real Estate Owned $1.54 million Profit Margin - Quarterly Net Interest Margin 3.32% Return on Assets 1.01% Return on Equity 6.36% Interest Income $28.75 million

Institution Health Overall Score: 3 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, 2012 Centennial Bank (CA) had $66.43 million in non-current loans and owned real-estate with $114.19 million in equity and loan loss allowances on hand to cover it. This gives Centennial Bank (CA) a Texas Ratio of 58.17% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Centennial Bank (CA) held steady from 61.68% as of December 31, 2011 to 58.17% as of December 31, 2012, resulting in a positive change of 5.68%.This indicates that the balance sheet and financial strength for Centennial Bank (CA) has held steady in recent periods. Deposit Growth In the past year, Centennial Bank (CA) has decreased its total deposits by -$108.15 million, resulting in -23.62% 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 Centennial Bank (CA) has shown is poor. 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. Centennial Bank (CA) has $546.17 million in assets with $114.19 million in equity, resulting in a capitalization level of 20.91%, which is excellent.

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