CenterState Bank of Florida, National Association

CenterState Bank of Florida, National Association is headquartered in Winter Haven and is the 15^st largest bank in the state of Florida. It is also the 332^nd largest bank in the nation. It was established in 1992 and as of December of 2011, it had grown to 597 employees at 54 locations. CenterState Bank of Florida, National Association has a 3-star health rating.

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Data for Q4 2011

Institution Statistics CenterState Bank of Florida, National Association FDIC Certificate # 33555 BankRate Report View Year Established 1992 Employees 597 Primary Regulator OCC Assets and Liabilities Assets $2.08 billion Loans $1.15 billion Deposits $1.78 billion Equity Capital $198.51 million Loan Loss Allowance $24.93 million Unbacked Noncurrent Loans $63.72 million Real Estate Owned $4.63 million Historic Data - December 2010 Assets $1.84 billion Equity Capital $174.66 million Loan Loss Allowance $20.47 million Unbacked Noncurrent Loans $34.54 million Real Estate Owned $6.62 million Profit Margin - Quarterly Net Interest Margin 3.75% Return on Assets 1.09% Return on Equity 11.73% Interest Income $74.85 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 CenterState Bank of Florida, National Association had $68.35 million in non-current loans and owned real-estate with $223.44 million in equity and loan loss allowances on hand to cover it. This gives CenterState Bank of Florida, National Association a Texas Ratio of 30.59% 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 CenterState Bank of Florida, National Association increased slightly from 21.10% as of December 31, 2010 to 30.59% as of December 31, 2011, resulting in a negative change of 45.00%. This indicates that the balance sheet and financial strength for CenterState Bank of Florida, National Association has declined slightly in recent periods. Deposit Growth In the past year, CenterState Bank of Florida, National Association has increased its total deposits by $232.66 million, resulting in 15.04% 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 CenterState Bank of Florida, National Association 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. CenterState Bank of Florida, National Association has $2.08 billion in assets with $223.44 million in equity, resulting in a capitalization level of 10.73%, which is above average.

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