Century Savings Bank in city_name, state_name - Detailed Financial Reports, Location

Century Savings Bank in Vineland, New Jersey (NJ)
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Century Savings Bank routing number info

Century Savings Bank - Overview

General
FDIC Certificate #: 30428
Status: Active
Federal Reserve ID: 392778
Bank Holding Company (Regulatory Top Holder): Century Bancorp Mhc (RSSDID: 2560508, Location: Vineland, NJ)
Date Established: January 01, 1865
WWW: http://www.centurysb.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 5322
FDIC's unique #: 43262
Numeric code: 41
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: October 05, 1953
Last Structure Change Effective Date: June 01, 2007
Last Structure Change Process Date: Febuary 23, 2009
Last Data Update: Febuary 23, 2009
Data Source Date: April 05, 2012
Location
Address: 1376 W. Sherman Avenue, Vineland, NJ 8360
County: Cumberland
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Jamesburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Vineland-Millville-Bridgeton, NJ (#8760)
Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
Core Based Statistical Area (CBSA): Vineland-Millville-Bridgeton, NJ (#47220)
CBSA Metro Statistical Area: Vineland-Millville-Bridgeton, NJ (#47220)
History of Changes
Change in Location
Financial Summary
Total assets: $348.4 mil
Equity capital: $54.9 mil
Deposits held in domestic offices: $285.5 mil
Return on assets (ROA): 0.46% ($1.6 mil)
Quarterly return on assets: 0.44% ($1.5 mil)
Return on Equity (ROE): 2.89% ($1.6 mil)
Quarterly return on equity: 2.75% ($1.5 mil)
Net income: $1.5 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.76% ($2,648.1 mil)
Quarterly Pretax return on assets: 0.71% ($2,473.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
63Total employees (full-time equivalent)
$348,436Total assets
$18,122Cash and due from depository institutions
$16,474Interest-bearing balances
$196,503Securities
$0Federal funds sold & reverse repurchase agreements
$109,739Net loans & leases
$2,159Loan loss allowance
$0Trading account assets
$13,787Bank premises and fixed assets
$823Other real estate owned
$0Goodwill and other intangibles
$348,436Life insurance assets
$9,462All other assets
$293,513Total liabilities and capital
$285,496Total liabilities
$275,155Total deposits
$285,496Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,512Trading liabilities
$0Other borrowed funds
$5,505Subordinated debt
$54,923All other liabilities
$54,923Total equity capital
$54,923Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$0Surplus
$54,773Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,712Income earned, not collected on loans
$0Earning assets
$1,090Long-term assets (5+ years)
$322,716Average Assets, year-to-date
$250,487Average Assets, quarterly
$335,140Volatile liabilities
$346,000Insider loans
$200,170FHLB advances
$351,505Loans and leases held for sale
$7,026Unused loan commitments
$7,026Tier 1 (core) risk-based capital
$52,020Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,702Restructured Loans and leases
$1,375Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,958Total interest income
$3,297Total interest expense
$9,661Net interest income
$561Provision for loan and lease losses
$885Total noninterest income
$0Fiduciary activities
$260Service charges on deposit accounts
$0Trading account gains & fees
$625Additional noninterest income
$7,839Total noninterest expense
$4,384Salaries and employee benefits
$1,118Premises and equipment expense
$2,337Additional noninterest expense
$2,146Pre-tax net operating income
$390Securities gains (losses)
$994Applicable income taxes
$1,542Income before extraordinary items
$0Extraordinary gains - net
$1,542Net income attributable to bank
$0Net charge-offs
$1,542Cash dividends
$128Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.17%Yield on earning assets
1.06%Cost of funding earning assets
3.11%Net interest margin
0.28%Noninterest income to earning assets
2.52%Noninterest expense to earning assets
0.39%Net operating income to assets
0.46%Return on assets (ROA)
0.76%Pretax return on assets
2.89%Return on equity (ROE)
2.89%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
438.28%Credit loss provision to net charge-offs
21.15%Efficiency ratio
74,332Assets per employee
5.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.93%Loss allowance to noncurrent loans
45.82%Noncurrent assets plus other real estate owned to assets
1.59%Noncurrent loans to loans
4.21%Net loans and leases to deposits
38.44%Net loans and leases to core deposits
39.97%Equity capital to assets
15.76%Core capital (leverage) ratio
14.80%Tier 1 risk-based capital ratio
25.99%Total risk-based capital ratio
Memoranda
$27Average assets
$335,140Average earning assets
$53,448Average equity
$310,876Average loans

List of branches

6 New Jersey Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	43262	Century Savings Bank	1376 W. Sherman Avenue, Vineland, NJ 8360	January 01, 1865	Full Service Brick and Mortar
1	280380	1005 East Landis Avenue Branch	1005 East Landis Avenue, Vineland, NJ 8360	April 06, 1964	Full Service Brick and Mortar
2	280381	121 North Main St Branch	121 North Main St, Elmer, NJ 8318	May 01, 1962	Full Service Brick and Mortar
3	280382	800 East Broad Street Branch	800 East Broad Street, Gibbstown, NJ 8027	July 02, 1973	Full Service Brick and Mortar
100	280383	100 North Main St Branch	100 North Main St, Mullica Hill, NJ 8062	June 20, 1980	Full Service Brick and Mortar
101	463999	Bridgeton Branch	53 Cornwell Drive, Bridgeton, NJ 8302	May 31, 2007	Full Service Brick and Mortar

Century Savings Bank in Vineland, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches

Century Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Century Savings Bank in Vineland, New Jersey (NJ)Overview, Financial Summary, Detailed Financial Reports, Branches

Century Savings Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Century Savings Bank in Vineland, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches