Federal Funds Programs

Through our Agent Federal Funds program, CenterState Bank will divide your excess overnight funds and invest them among the approved purchasing banks within the program.  Additionally, based on your bank’s pre-approved federal funds line of credit amount, CenterState can sell your bank funds to assist with your liquidity needs.To learn more about our Federal Funds programs, including daily rate information, please contact Stuart Hodges at (770) 850-3412 or (888) 411-1132.

CenterState Bank   Correspondent Division   400 Interstate North Parkway, Suite 200 Atlanta, Georgia  30339

Financial Highlights     Qtr End Qtr End Qtr End Qtr End Regulation F Ratios March 31 December 31 September 30 June 30     2010 2009 2009 2009 CAPITAL ADEQUACY ANALYSIS Regulation F Capital Category Well Capitalized Well Capitalized Well Capitalized Well Capitalized Total risk-based capital ratio 16.62% 16.39% 16.77% 16.55% Tier 1 risk-based capital ratio 15.36% 15.13% 15.53% 15.46% Tier 1 leverage ratio 8.14% 7.36% 7.18% 7.16% ASSET QUALITY ANALYSIS Nonperforming Assets/Total Assets 1.03% 0.86% 0.55% 0.80% Nonperforming Loans/Gross Loans 1.39% 0.85% 0.69% 1.45% Net Charge-Offs/Average Loans (annualized) 0.66% 0.88% 1.28% 0.48% Loan Loss Provision/Average Loans (annualized) 1.05% 2.81% 2.06% 1.17% CAPITAL COVERAGE AND RESERVES Nonperforming Assets/   Core Capital and Reserves 10.66% 8.57% 6.34% 7.04% Core Capital and Reserves/Total Loans 21.76% 21.21% 21.90% 20.67% Loan Loss Reserve/Total Capital 8.84% 8.57% 6.45% 6.62% Loan Loss Reserve/Total Loans 1.98% 1.88% 1.49% 1.37% EARNINGS AND EFFICIENCY Qtrly Return on Average Assets (annualized) 0.67% 0.48% 0.50% 0.61% Qtrly Return on Average Equity (annualized) 6.87% 5.40% 5.79% 7.27% Earnings Coverage of Net Charge-Offs >100% >100% >100% >100% Qtrly Efficiency Ratio (annualized) 79.67% 79.91% 72.35% 71.91% Liquidity Ratio 44.06% 40.65% 46.80% 44.01%