CenterBank

CenterBank is headquartered in Milford and is the 150^th largest bank in the state of Ohio. It is also the 4,820^th largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 28 employees at 2 locations. CenterBank has a 3-star health rating.

CenterBank Routing Number: 042215578

Data for Q4 2011

Institution Statistics CenterBank FDIC Certificate # 35117 BankRate Report View Year Established 2000 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $104.87 million Loans $80.97 million Deposits $90.03 million Equity Capital $10.39 million Loan Loss Allowance $914,000 Unbacked Noncurrent Loans $576,000 Real Estate Owned $1.48 million Historic Data - December 2010 Assets $105.11 million Equity Capital $9.63 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $849,000 Real Estate Owned $2.08 million Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets 0.74% Return on Equity 7.8% Interest Income $5.44 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 CenterBank had $2.05 million in non-current loans and owned real-estate with $11.3 million in equity and loan loss allowances on hand to cover it. This gives CenterBank a Texas Ratio of 18.18% 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 CenterBank decreased slightly from 27.35% as of December 31, 2010 to 18.18% as of December 31, 2011, resulting in a positive change of 33.54%.This indicates that the balance sheet and financial strength for CenterBank has improved slightly in recent periods. Deposit Growth In the past year, CenterBank has decreased its total deposits by -$5.17 million, resulting in -5.43% 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 CenterBank 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. CenterBank has $104.87 million in assets with $11.3 million in equity, resulting in a capitalization level of 10.78%, which is above average.

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