Central National Bank

Central National Bank is headquartered in Junction City and is the 8^th largest bank in the state of Kansas. It is also the 739^th largest bank in the nation. It was established in 1884 and as of December of 2011, it had grown to 299 employees at 40 locations. Central National Bank has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Central National Bank FDIC Certificate # 4702 BankRate Report View Year Established 1884 Employees 299 Primary Regulator OCC Assets and Liabilities Assets $889.70 million Loans $439.56 million Deposits $775.70 million Equity Capital $97.44 million Loan Loss Allowance $9.53 million Unbacked Noncurrent Loans $10.33 million Real Estate Owned $9.02 million Historic Data - December 2010 Assets $837.33 million Equity Capital $92.14 million Loan Loss Allowance $11.25 million Unbacked Noncurrent Loans $13.46 million Real Estate Owned $5.13 million Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 0.56% Return on Equity 5.05% Interest Income $29.89 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 Central National Bank had $19.35 million in non-current loans and owned real-estate with $106.97 million in equity and loan loss allowances on hand to cover it. This gives Central National Bank a Texas Ratio of 18.09% 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 Central National Bank held steady from 17.31% as of December 31, 2010 to 18.09% as of December 31, 2011, resulting in a negative change of 4.47%. This indicates that the balance sheet and financial strength for Central National Bank has held steady in recent periods. Deposit Growth In the past year, Central National Bank has increased its total deposits by $42.99 million, resulting in 5.87% 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 National 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 National Bank has $889.7 million in assets with $106.97 million in equity, resulting in a capitalization level of 12.02%, which is excellent.

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