Centier Bank

Centier Bank is headquartered in Whiting and is the 7^th largest bank in the state of Indiana. It is also the 328^th largest bank in the nation. It was established in 1895 and as of December of 2011, it had grown to 609 employees at 47 locations. Centier Bank has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Centier Bank FDIC Certificate # 12854 BankRate Report View Year Established 1895 Employees 609 Primary Regulator FDIC Assets and Liabilities Assets $2.12 billion Loans $1.66 billion Deposits $1.84 billion Equity Capital $181.94 million Loan Loss Allowance $28.58 million Unbacked Noncurrent Loans $31.72 million Real Estate Owned $24.30 million Historic Data - December 2010 Assets $2.00 billion Equity Capital $162.67 million Loan Loss Allowance $32.01 million Unbacked Noncurrent Loans $71.81 million Real Estate Owned $8.24 million Profit Margin - Quarterly Net Interest Margin 4.28% Return on Assets 0.81% Return on Equity 9.67% Interest Income $93.87 million

Institution Health Overall Score: 4 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 Centier Bank had $56.01 million in non-current loans and owned real-estate with $210.51 million in equity and loan loss allowances on hand to cover it. This gives Centier Bank a Texas Ratio of 26.61% 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 Centier Bank decreased slightly from 40.96% as of December 31, 2010 to 26.61% as of December 31, 2011, resulting in a positive change of 35.03%.This indicates that the balance sheet and financial strength for Centier Bank has improved slightly in recent periods. Deposit Growth In the past year, Centier Bank has increased its total deposits by $110.71 million, resulting in 6.4% 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 Centier 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. Centier Bank has $2.12 billion in assets with $210.51 million in equity, resulting in a capitalization level of 9.91%, which is average.

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