CenTrust Bank, National Association

CenTrust Bank, National Association Locations

385 Waukegan Road
Northbrook, IL 60062
847-267-1331
www.centrustbank.com

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CenTrust Bank, National Association is headquartered in Northbrook and is the 349^th largest bank in the state of Illinois. It is also the 5,090^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 17 employees at 1 location. CenTrust Bank, National Association has a 2-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

CenTrust Bank, National Association Checking Account Rates

Apy	Min	Max	Product
0.10%	-	-	NOW Checking Account
0.10%	-	-	CenTrust Preferred 50 Checking Account

CenTrust Bank, National Association Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Statement Savings Account
0.25%	$5k	-	Health Savings Accounts

CenTrust Bank, National Association Money Market Rates

Apy	Min	Max	Product
0.50%	$100k	-	Money Market Accounts
0.50%	$250k	$50k	Business Money Market Accounts

CenTrust Bank, National Association CD Rates

Apy	Min	Max	Product
1.30%	$100k	-	60 Month Business CD
1.30%	$100k	-	60 Month CD
1.15%	$100k	-	48 Month Business CD
1.15%	$100k	-	48 Month CD
0.90%	$100k	-	36 Month Business CD
0.90%	$100k	-	36 Month CD
0.70%	$100k	-	15 Month Business CD Special
0.70%	$100k	-	15 Month CD Special
0.65%	$100k	-	24 Month Business CD
0.65%	$100k	-	24 Month CD
0.55%	$100k	-	9 Month CD Special
0.55%	$100k	-	9 Month Business CD Special
0.50%	$100k	-	18 Month Business CD
0.50%	$100k	-	18 Month CD
0.35%	$100k	-	12 Month Business CD
0.35%	$100k	-	12 Month CD
0.30%	$100k	-	180 Day Business CD
0.30%	$100k	-	180 Day CD
0.20%	$100k	-	60 Day Business CD
0.20%	$100k	-	60 Day CD
0.20%	$100k	-	90 Day Business CD
0.20%	$100k	-	90 Day CD
0.15%	$100k	-	30 Day Business CD
0.15%	$100k	-	30 Day CD

CenTrust Bank, National Association IRA Rates

Apy	Min	Max	Product
1.30%	$100k	-	60 Month IRA
1.30%	$100k	-	60 Month Roth IRA
1.15%	$100k	-	48 Month IRA
1.15%	$100k	-	48 Month Roth IRA
0.90%	$100k	-	36 Month IRA
0.90%	$100k	-	36 Month Roth IRA
0.65%	$100k	-	24 Month IRA
0.65%	$100k	-	24 Month Roth IRA
0.50%	$100k	-	18 Month IRA
0.50%	$100k	-	18 Month Roth IRA
0.35%	$100k	-	12 Month IRA
0.35%	$100k	-	12 Month Roth IRA
0.30%	$100k	-	180 Day IRA
0.30%	$100k	-	180 Day Roth IRA
0.20%	$100k	-	60 Day IRA
0.20%	$100k	-	60 Day Roth IRA
0.20%	$100k	-	90 Day IRA
0.20%	$100k	-	90 Day Roth IRA
0.15%	$100k	-	30 Day IRA
0.15%	$100k	-	30 Day Roth IRA

Rates updated: 5/24/2012

Data for Q1 2012

Institution Statistics

CenTrust Bank, National Association
FDIC Certificate #	58158
BankRate Report	View
Year Established	2006
Employees	17
Primary Regulator	OCC
Assets and Liabilities
Assets	$94.72 million
Loans	$53.18 million
Deposits	$83.19 million
Equity Capital	$9.58 million
Loan Loss Allowance	$4.02 million
Unbacked Noncurrent Loans	$12.85 million
Real Estate Owned	$11.05 million
Historic Data - March 2011
Assets	$104.53 million
Equity Capital	$5.50 million
Loan Loss Allowance	$5.04 million
Unbacked Noncurrent Loans	$21.19 million
Real Estate Owned	$7.78 million
Profit Margin - Quarterly
Net Interest Margin	2.6%
Return on Assets	-3.69%
Return on Equity	-53.83%
Interest Income	$706,000

Institution Health

Overall Score:

2 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 CenTrust Bank, National Association had $23.9 million in non-current loans and owned real-estate with $13.6 million in equity and loan loss allowances on hand to cover it. This gives CenTrust Bank, National Association a Texas Ratio of 175.72% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for CenTrust Bank, National Association decreased slightly from 274.77% as of March 31, 2011 to 175.72% as of March 31, 2012, resulting in a positive change of 36.05%.This indicates that the balance sheet and financial strength for CenTrust Bank, National Association has improved slightly in recent periods.
Deposit Growth
In the past year, CenTrust Bank, National Association has decreased its total deposits by -$14.74 million, resulting in -15.05% 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 CenTrust Bank, National Association has shown is poor.
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. CenTrust Bank, National Association has $94.72 million in assets with $13.6 million in equity, resulting in a capitalization level of 14.36%, which is excellent.

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