Centera Bank

Centera Bank is headquartered in Sublette and is the 56^th largest bank in the state of Kansas. It is also the 2,784^th largest bank in the nation. It was established in 1937 and as of September of 2011, it had grown to 51 employees at 6 locations. Centera Bank has a 5-star health rating.

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Data for Q3 2011

Institution Statistics Centera Bank FDIC Certificate # 16436 BankRate Report View Year Established 1937 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $227.78 million Loans $108.91 million Deposits $199.41 million Equity Capital $23.46 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $836,000 Historic Data - September 2010 Assets $208.19 million Equity Capital $20.42 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $1.11 million Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 1.45% Return on Equity 15.58% Interest Income $7.13 million

Institution Health Overall Score: 5 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 September 30, 2011 Centera Bank had $836,000 in non-current loans and owned real-estate with $24.59 million in equity and loan loss allowances on hand to cover it. This gives Centera Bank a Texas Ratio of 3.40% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Centera Bank decreased slightly from 5.10% as of September 30, 2010 to 3.40% as of September 30, 2011, resulting in a positive change of 33.28%.This indicates that the balance sheet and financial strength for Centera Bank has improved slightly in recent periods. Deposit Growth In the past year, Centera Bank has increased its total deposits by $16.16 million, resulting in 8.82% 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 Centera Bank 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. Centera Bank has $227.78 million in assets with $24.59 million in equity, resulting in a capitalization level of 10.80%, which is above average.

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