Centennial Bank

Centennial Bank is headquartered in Conway and is the 4^th largest bank in the state of Arkansas. It is also the 216^st largest bank in the nation. It was established in 1903 and as of December of 2011, it had grown to 774 employees at 92 locations. Centennial Bank has a 3-star health rating.

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Data for Q4 2011

Institution Statistics Centennial Bank FDIC Certificate # 11241 BankRate Report View Year Established 1903 Employees 774 Primary Regulator FED Assets and Liabilities Assets $3.59 billion Loans $2.19 billion Deposits $2.89 billion Equity Capital $479.82 million Loan Loss Allowance $52.13 million Unbacked Noncurrent Loans $144.88 million Real Estate Owned $16.66 million Historic Data - December 2010 Assets $3.75 billion Equity Capital $454.07 million Loan Loss Allowance $53.35 million Unbacked Noncurrent Loans $52.89 million Real Estate Owned $11.63 million Profit Margin - Quarterly Net Interest Margin 4.71% Return on Assets 1.58% Return on Equity 12.22% Interest Income $172.42 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, 2011 Centennial Bank had $161.54 million in non-current loans and owned real-estate with $531.95 million in equity and loan loss allowances on hand to cover it. This gives Centennial Bank a Texas Ratio of 30.37% 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 held steady from 33.53% as of December 31, 2010 to 30.37% as of December 31, 2011, resulting in a positive change of 9.44%.This indicates that the balance sheet and financial strength for Centennial Bank has held steady in recent periods. Deposit Growth In the past year, Centennial Bank has decreased its total deposits by -$130.42 million, resulting in -4.32% 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 has shown is below 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 has $3.59 billion in assets with $531.95 million in equity, resulting in a capitalization level of 14.82%, which is excellent.