Centennial Bank (NE)

Centennial Bank (NE) is headquartered in Omaha and is the 109^th largest bank in the state of Nebraska. It is also the 5,641^st largest bank in the nation. It was established in 1996 and as of December of 2011, it had grown to 36 employees at 4 locations. Centennial Bank (NE) has a 4-star health rating.

Data for Q4 2011

Institution Statistics Centennial Bank FDIC Certificate # 34363 BankRate Report View Year Established 1996 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $74.72 million Loans $57.01 million Deposits $60.67 million Equity Capital $8.53 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $1.44 million Real Estate Owned $654,000 Historic Data - December 2010 Assets $68.74 million Equity Capital $8.10 million Loan Loss Allowance $1.66 million Unbacked Noncurrent Loans $2.43 million Real Estate Owned $2.40 million Profit Margin - Quarterly Net Interest Margin 4.25% Return on Assets 0.39% Return on Equity 3.25% Interest Income $3.31 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 Centennial Bank (NE) had $2.09 million in non-current loans and owned real-estate with $9.8 million in equity and loan loss allowances on hand to cover it. This gives Centennial Bank (NE) a Texas Ratio of 21.31% which is 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 (NE) decreased significantly from 40.35% as of December 31, 2010 to 21.31% as of December 31, 2011, resulting in a positive change of 47.18%.This indicates that the balance sheet and financial strength for Centennial Bank (NE) has improved significantly in recent periods. Deposit Growth In the past year, Centennial Bank (NE) has increased its total deposits by $1.36 million, resulting in 2.29% 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 (NE) has shown is above average. 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 (NE) has $74.72 million in assets with $9.8 million in equity, resulting in a capitalization level of 13.12%, which is excellent.

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