Century Bank and Trust (MI)

Century Bank and Trust (MI) is headquartered in Coldwater and is the 44^th largest bank in the state of Michigan. It is also the 2,481^st largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 118 employees at 13 locations. Century Bank and Trust (MI) has a 3-star health rating.

Century Bank and Trust (MI) Checking Account Rates

Century Bank and Trust (MI) Savings Account Rates

Century Bank and Trust (MI) Money Market Rates

Data for Q1 2012

Institution Statistics Century Bank and Trust FDIC Certificate # 5015 BankRate Report View Year Established 1909 Employees 118 Primary Regulator FDIC Assets and Liabilities Assets $259.76 million Loans $147.83 million Deposits $228.43 million Equity Capital $27.31 million Loan Loss Allowance $3.01 million Unbacked Noncurrent Loans $4.93 million Real Estate Owned $170,000 Historic Data - March 2011 Assets $262.21 million Equity Capital $26.82 million Loan Loss Allowance $3.73 million Unbacked Noncurrent Loans $6.09 million Real Estate Owned $306,000 Profit Margin - Quarterly Net Interest Margin 3.65% Return on Assets 0.77% Return on Equity 7.29% Interest Income $2.26 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 March 31, 2012 Century Bank and Trust (MI) had $5.1 million in non-current loans and owned real-estate with $30.32 million in equity and loan loss allowances on hand to cover it. This gives Century Bank and Trust (MI) a Texas Ratio of 16.81% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Century Bank and Trust (MI) decreased slightly from 20.93% as of March 31, 2011 to 16.81% as of March 31, 2012, resulting in a positive change of 19.67%.This indicates that the balance sheet and financial strength for Century Bank and Trust (MI) has improved slightly in recent periods. Deposit Growth In the past year, Century Bank and Trust (MI) has decreased its total deposits by -$2.92 million, resulting in -1.26% 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 Century Bank and Trust (MI) has shown is below 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. Century Bank and Trust (MI) has $259.76 million in assets with $30.32 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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