This institution is no longer active

Operations ceased on January 20, 2006. CRA examination history below reflects the period it was active.

CENTERSTATE BANK OF FLORIDA

WINTER HAVEN, FL · Supervised by FDIC

Est. 2000FDIC #35,313RSSD: FDIC-35313

Part ofCENTERSTATE BANKS INC→ View all charters

Satisfactory

Current rating · Exam: October 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.67%

Institution Profile

FDIC BankFind

Address

1101 First Street South, WINTER HAVEN, FL

County

Polk County

Established

April 14, 2000

Total Assets

$181M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2002

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 23 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2005Call Report / FDIC

Total Assets

$181M

Total Deposits

$148M

Net Loans

$112M

Net Income

$1M

ROA

0.67%

ROE

6.75%

Risk-Based Capital

10.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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