Central National B&T of Enid

Central National B&T of Enid is headquartered in Enid and is the 17^st largest bank in the state of Oklahoma. It is also the 1,224^th largest bank in the nation. It was established in 1913 and as of December of 2011, it had grown to 176 employees at 10 locations. Central National B&T of Enid has a 3-star health rating.

Data for Q4 2011

Institution Statistics Central National Bank & Trust Co., of Enid FDIC Certificate # 4091 BankRate Report View Year Established 1913 Employees 176 Primary Regulator OCC Assets and Liabilities Assets $550.79 million Loans $384.34 million Deposits $474.58 million Equity Capital $51.45 million Loan Loss Allowance $3.98 million Unbacked Noncurrent Loans $18.13 million Real Estate Owned $3.67 million Historic Data - December 2010 Assets $503.62 million Equity Capital $42.54 million Loan Loss Allowance $4.45 million Unbacked Noncurrent Loans $6.97 million Real Estate Owned $3.62 million Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 0.83% Return on Equity 9.45% Interest Income $24.37 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 Central National B&T of Enid had $21.8 million in non-current loans and owned real-estate with $55.43 million in equity and loan loss allowances on hand to cover it. This gives Central National B&T of Enid a Texas Ratio of 39.33% 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 Central National B&T of Enid increased slightly from 22.05% as of December 31, 2010 to 39.33% as of December 31, 2011, resulting in a negative change of 78.36%. This indicates that the balance sheet and financial strength for Central National B&T of Enid has declined slightly in recent periods. Deposit Growth In the past year, Central National B&T of Enid has increased its total deposits by $40.96 million, resulting in 9.45% 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 B&T of Enid 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 B&T of Enid has $550.79 million in assets with $55.43 million in equity, resulting in a capitalization level of 10.06%, which is above average.

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