Century Bank of Oklahoma

Century Bank of Oklahoma is headquartered in Pryor and is the 146^th largest bank in the state of Oklahoma. It is also the 5,435^th largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 24 employees at 4 locations. Century Bank of Oklahoma has a 3-star health rating.

Century Bank of Oklahoma Routing Number: 103102821

Data for Q1 2012

Institution Statistics Century Bank of Oklahoma FDIC Certificate # 24342 BankRate Report View Year Established 1983 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $81.43 million Loans $58.76 million Deposits $74.72 million Equity Capital $6.43 million Loan Loss Allowance $784,000 Unbacked Noncurrent Loans $1.52 million Real Estate Owned $395,000 Historic Data - March 2011 Assets $65.94 million Equity Capital $6.15 million Loan Loss Allowance $542,000 Real Estate Owned $531,000 Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 0.41% Return on Equity 5.26% Interest Income $887,000

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 Century Bank of Oklahoma had $1.92 million in non-current loans and owned real-estate with $7.21 million in equity and loan loss allowances on hand to cover it. This gives Century Bank of Oklahoma a Texas Ratio of 26.62% 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 of Oklahoma increased slightly from 7.94% as of March 31, 2011 to 26.62% as of March 31, 2012, resulting in a negative change of 235.38%. This indicates that the balance sheet and financial strength for Century Bank of Oklahoma has declined slightly in recent periods. Deposit Growth In the past year, Century Bank of Oklahoma has increased its total deposits by $15.27 million, resulting in 25.69% 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 of Oklahoma 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. Century Bank of Oklahoma has $81.43 million in assets with $7.21 million in equity, resulting in a capitalization level of 8.85%, which is average.

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