The Central National Bank of Alva

The Central National Bank of Alva is headquartered in Alva and is the 40^th largest bank in the state of Oklahoma. It is also the 2,211^st largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 65 employees at 3 locations. The Central National Bank of Alva has a 5-star health rating.

Data for Q1 2012

Institution Statistics BancCentral, National Association FDIC Certificate # 4033 BankRate Report View Year Established 1913 Employees 65 Primary Regulator OCC Assets and Liabilities Assets $295.28 million Loans $76.81 million Deposits $258.51 million Equity Capital $36.47 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $1.64 million Real Estate Owned $162,000 Historic Data - March 2011 Assets $260.84 million Equity Capital $32.63 million Loan Loss Allowance $2.37 million Unbacked Noncurrent Loans $4.17 million Real Estate Owned $352,000 Profit Margin - Quarterly Net Interest Margin 3.15% Return on Assets 0.89% Return on Equity 7.05% Interest Income $2.28 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 The Central National Bank of Alva had $1.8 million in non-current loans and owned real-estate with $38.9 million in equity and loan loss allowances on hand to cover it. This gives The Central National Bank of Alva a Texas Ratio of 4.64% 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 The Central National Bank of Alva decreased significantly from 12.92% as of March 31, 2011 to 4.64% as of March 31, 2012, resulting in a positive change of 64.11%.This indicates that the balance sheet and financial strength for The Central National Bank of Alva has improved significantly in recent periods. Deposit Growth In the past year, The Central National Bank of Alva has increased its total deposits by $30.54 million, resulting in 13.4% 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 The Central National Bank of Alva 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. The Central National Bank of Alva has $295.28 million in assets with $38.9 million in equity, resulting in a capitalization level of 13.18%, which is excellent.

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