CentreBank

CentreBank is headquartered in Veedersburg and is the 128^th largest bank in the state of Indiana. It is also the 6,041^st largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 21 employees at 4 locations. CentreBank has a 3-star health rating.

CentreBank Routing Number: 074911219

Data for Q1 2012

Institution Statistics CentreBank FDIC Certificate # 15532 BankRate Report View Year Established 1917 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $61.25 million Loans $42.05 million Deposits $53.00 million Equity Capital $5.83 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $1.26 million Real Estate Owned $883,000 Historic Data - March 2011 Assets $60.48 million Equity Capital $5.52 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $1.02 million Real Estate Owned $1.02 million Profit Margin - Quarterly Net Interest Margin 4.46% Return on Assets 0.75% Return on Equity 7.68% Interest Income $704,000

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 March 31, 2012 CentreBank had $2.15 million in non-current loans and owned real-estate with $6.87 million in equity and loan loss allowances on hand to cover it. This gives CentreBank a Texas Ratio of 31.26% 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 CentreBank held steady from 31.19% as of March 31, 2011 to 31.26% as of March 31, 2012, resulting in a negative change of 0.22%. This indicates that the balance sheet and financial strength for CentreBank has held steady in recent periods. Deposit Growth In the past year, CentreBank has increased its total deposits by $1.97 million, resulting in 3.86% 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 CentreBank has shown is above average. 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. CentreBank has $61.25 million in assets with $6.87 million in equity, resulting in a capitalization level of 11.21%, which is above average.

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