Central State Bank

Central State Bank is headquartered in Calera and is the 73^rd largest bank in the state of Alabama. It is also the 3,711^st largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 53 employees at 4 locations. Central State Bank has a 5-star health rating.

Central State Bank Routing Number: 062204569

Data for Q1 2012

Institution Statistics Central State Bank FDIC Certificate # 72 BankRate Report View Year Established 1916 Employees 53 Primary Regulator FED Assets and Liabilities Assets $159.10 million Loans $92.21 million Deposits $135.70 million Equity Capital $21.43 million Loan Loss Allowance $1.92 million Unbacked Noncurrent Loans $686,000 Real Estate Owned $527,000 Historic Data - March 2011 Assets $151.51 million Equity Capital $20.48 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $762,000 Real Estate Owned $472,000 Profit Margin - Quarterly Net Interest Margin 4.69% Return on Assets 1.05% Return on Equity 7.74% Interest Income $1.84 million

Institution Health Overall Score: 5 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 March 31, 2012 Central State Bank had $1.21 million in non-current loans and owned real-estate with $23.35 million in equity and loan loss allowances on hand to cover it. This gives Central State Bank a Texas Ratio of 5.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Central State Bank held steady from 5.57% as of March 31, 2011 to 5.19% as of March 31, 2012, resulting in a positive change of 6.69%.This indicates that the balance sheet and financial strength for Central State Bank has held steady in recent periods. Deposit Growth In the past year, Central State Bank has increased its total deposits by $6.47 million, resulting in 5.01% 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 State 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 State Bank has $159.1 million in assets with $23.35 million in equity, resulting in a capitalization level of 14.68%, which is excellent.

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