Centera Bank

119 South Inman Street
Sublette, KS 67877
620-675-8611
www.centerabank.com

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Centera Bank is headquartered in Sublette and is the 53^rd largest bank in the state of Kansas. It is also the 2,509^th largest bank in the nation. It was established in 1937 and as of March of 2013, it had grown to 50 employees at 6 locations. Centera Bank has a 5-star health rating.

Centera Bank RCA 3.01%APY To 2.50%APY (Forum) - 9/21/2012

Cap is unchanged at $25k. Change was effective yesterday to coincide with the start of a new qualification cycle.

Updated Review of Centera Bank's Reward Checking Account - Kansas Only - 6/28/2012

It has been almost 3 years since my first review of the reward checking account at Centera Bank in Kansas. Rates have fallen, but the rates have remained very competitive. Below is a summary of the ra ...

4.01% Reward Checking Account at Centera Bank in Kansas - Local Only - 11/15/2009

Centera Bank is offering a reward checking account with the following rates and features if certain monthly requirements are met:4.01% APY on balances up to $25,0001.01% APY on balances over $25,0000.25% base rate if requirements are not metReimburses...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Centera Bank Checking Account Rates

Apy	Min	Max	Product
2.50%	-	$25k	Reward Checking
0.05%	$1,500	-	Regular NOW
0.05%	$1,500	-	Blue Ribbon NOW

Centera Bank Savings Account Rates

	Apy	Min	Max	Product
	0.15%	-	-	Regular Savings

Centera Bank Money Market Rates

	Apy	Min	Max	Product
	0.25%	$1k	-	Money Market Deposit

Centera Bank CD Rates

Apy	Min	Max	Product
0.85%	$100k	-	3 Year CD
0.75%	$100k	-	2 Year CD
0.60%	$100k	-	1 Year CD
0.40%	$100k	-	6 Month CD
0.30%	$100k	-	3 Month CD
0.25%	$100k	-	30 Day CD

Centera Bank IRA Rates

Apy	Min	Max	Product
0.85%	$100k	-	3 Year IRA
0.75%	$100k	-	2 Year IRA
0.60%	$100k	-	1 Year IRA
0.40%	$100k	-	18 Month Variable IRA

Rates updated: 6/17/2013

Data for Q1 2013

Institution Statistics

Centera Bank
FDIC Certificate #	16436
BankRate Report	View
Year Established	1937
Employees	50
Primary Regulator	FDIC
Assets and Liabilities
Assets	$257.19 million
Loans	$100.82 million
Deposits	$229.58 million
Equity Capital	$23.51 million
Loan Loss Allowance	$1.49 million
Unbacked Noncurrent Loans	$997,000
Historic Data - March 2012
Assets	$236.59 million
Equity Capital	$23.50 million
Loan Loss Allowance	$1.40 million
Unbacked Noncurrent Loans	$106,000
Profit Margin - Quarterly
Net Interest Margin	3.13%
Return on Assets	1.16%
Return on Equity	12.38%
Interest Income	$2.07 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 March 31, 2013 Centera Bank had $997,000 in non-current loans and owned real-estate with $24.99 million in equity and loan loss allowances on hand to cover it. This gives Centera Bank a Texas Ratio of 3.99% 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 held steady from 0.43% as of March 31, 2012 to 3.99% as of March 31, 2013, resulting in a negative change of 836.84%. This indicates that the balance sheet and financial strength for Centera Bank has held steady in recent periods.
Deposit Growth
In the past year, Centera Bank has increased its total deposits by $17.66 million, resulting in 8.33% 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 $257.19 million in assets with $24.99 million in equity, resulting in a capitalization level of 9.72%, which is average.

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Centera Bank

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