Central Bank is a local community bank located in Tampa, Florida.  The bank was established on February 26, 2007 and has been FDIC insured since February 26, 2007.  Central Bank is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  As of the end of 2008, the bank had approximately 13 total full-time equivalent employees.  At this time the bank had total assets of $45,313,000 and total deposits of $33,095,000.  For the full year, the bank had a net loss of -$1,087,000.

Central Bank most recent performance ratios.
As of December 31, 2008:

Yield on earning assets 6.26% 
Cost of funding earning assets 3.10% 
Net interest margin 3.16%
Return on assets (ROA) -3.22%
Return on equity (ROE) -12.30%
Noncurrent loans to loans 0
Equity capital to assets 18.67% 
Core capital (leverage) ratio 19.25% 
Tier 1 risk-based capital ratio 20.15% 
Total risk-based capital ratio 21.14%
 
Central Bank products and services:

Central Bank offers checking accounts, simply free checking, interest plus premier checking, 50 plus advantage (Age 50 and over), personal savings, premium money market, certificate of deposit, Individual Retirement Account, personal loans, new or used automobiles, boats, home equity loan, home equity line of credit mortgage loans, online banking, debit cards, small business checking, business checking, business interest checking, non profit checking, Interest on Lawyers Trust Accounts (IOTA), business savings, business money market, business banking certificate of deposit, commercial loans, commercial real estate loans, safe deposit box and merchant services

Central Bank branch bank locations:

20701 Bruce B. Downs Blvd
Tampa, Florida 33647
813-929-4477
813-929-4427

Central Bank web address: www.centralbankfl.com

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