Central Bank

Central Bank is headquartered in Houston and is the 104^th largest bank in the state of Texas. It is also the 1,508^th largest bank in the nation. It was established in 1956 and as of September of 2011, it had grown to 90 employees at 5 locations. Central Bank has a 4-star health rating.

Central Bank Routing Number: 113001077

Data for Q3 2011

Institution Statistics Central Bank FDIC Certificate # 17612 BankRate Report View Year Established 1956 Employees 90 Primary Regulator FDIC Assets and Liabilities Assets $435.77 million Loans $213.35 million Deposits $374.02 million Equity Capital $37.74 million Loan Loss Allowance $3.67 million Unbacked Noncurrent Loans $5.62 million Real Estate Owned $144,000 Historic Data - September 2010 Assets $384.15 million Equity Capital $34.04 million Loan Loss Allowance $3.13 million Unbacked Noncurrent Loans $2.26 million Real Estate Owned $950,000 Profit Margin - Quarterly Net Interest Margin 4.37% Return on Assets 0.95% Return on Equity 10.96% Interest Income $14.95 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 September 30, 2011 Central Bank had $5.76 million in non-current loans and owned real-estate with $41.42 million in equity and loan loss allowances on hand to cover it. This gives Central Bank a Texas Ratio of 13.92% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Central Bank increased slightly from 8.64% as of September 30, 2010 to 13.92% as of September 30, 2011, resulting in a negative change of 61.14%. This indicates that the balance sheet and financial strength for Central Bank has declined slightly in recent periods. Deposit Growth In the past year, Central Bank has increased its total deposits by $45.04 million, resulting in 13.69% 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 Central 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. Central Bank has $435.77 million in assets with $41.42 million in equity, resulting in a capitalization level of 9.50%, which is average.

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