Centrix Bank & Trust

Centrix Bank & Trust is headquartered in Bedford and is the 5^th largest bank in the state of New Hampshire. It is also the 851^st largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 123 employees at 7 locations. Centrix Bank & Trust has a 5-star health rating.

Centrix Bank & Trust Routing Number: 011402024

Data for Q1 2012

Institution Statistics Centrix Bank & Trust FDIC Certificate # 35035 BankRate Report View Year Established 1999 Employees 123 Primary Regulator FDIC Assets and Liabilities Assets $775.87 million Loans $541.88 million Deposits $635.75 million Equity Capital $75.30 million Loan Loss Allowance $6.34 million Unbacked Noncurrent Loans $2.49 million Historic Data - March 2011 Assets $693.30 million Equity Capital $50.55 million Loan Loss Allowance $5.84 million Unbacked Noncurrent Loans $3.99 million Real Estate Owned $1.21 million Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 0.85% Return on Equity 8.7% Interest Income $8.30 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 Centrix Bank & Trust had $2.49 million in non-current loans and owned real-estate with $81.64 million in equity and loan loss allowances on hand to cover it. This gives Centrix Bank & Trust a Texas Ratio of 3.05% 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 Centrix Bank & Trust decreased significantly from 5.62% as of March 31, 2011 to 3.05% as of March 31, 2012, resulting in a positive change of 45.72%.This indicates that the balance sheet and financial strength for Centrix Bank & Trust has improved significantly in recent periods. Deposit Growth In the past year, Centrix Bank & Trust has increased its total deposits by $83.51 million, resulting in 15.12% 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 Centrix Bank & Trust 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. Centrix Bank & Trust has $775.87 million in assets with $81.64 million in equity, resulting in a capitalization level of 10.52%, which is above average.

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