FDIC Certificate #: 28860 Status: Active Federal Reserve ID: 401072 Date Established: January 01, 1903 WWW:http://www.centurysavings.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 2505 FDIC's unique #: 41694 Numeric code: 36 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: September 14, 1937 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 233 East Main St, Trinidad, CO 81082 County: Las Animas Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Denver Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $105.5 mil Equity capital: $12.1 mil Deposits held in domestic offices: $92.5 mil Return on assets (ROA): 0.47% ($0.5 mil) Quarterly return on assets: 0.42% ($0.4 mil) Return on Equity (ROE): 4.13% ($0.5 mil) Quarterly return on equity: 3.67% ($0.4 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.68% ($717.3 mil) Quarterly Pretax return on assets: 0.59% ($622.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$105,483Total assets
$7,340Cash and due from depository institutions
$6,195Interest-bearing balances
$54,582Securities
$0Federal funds sold & reverse repurchase agreements
$38,475Net loans & leases
$782Loan loss allowance
$0Trading account assets
$449Bank premises and fixed assets
$902Other real estate owned
$0Goodwill and other intangibles
$105,483Life insurance assets
$3,735All other assets
$93,400Total liabilities and capital
$92,510Total liabilities
$92,177Total deposits
$92,510Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$890Subordinated debt
$12,083All other liabilities
$12,083Total equity capital
$12,083Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$12,083Undivided profits
Memoranda
$0Noncurrent loans and leases
$33Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,290Income earned, not collected on loans
$0Earning assets
$317Long-term assets (5+ years)
$99,252Average Assets, year-to-date
$62,664Average Assets, quarterly
$104,814Volatile liabilities
$105,437Insider loans
$37,256FHLB advances
$105,128Loans and leases held for sale
$2,212Unused loan commitments
$2,212Tier 1 (core) risk-based capital
$11,934Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$200Restructured Loans and leases
$34Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,163Total interest income
$1,321Total interest expense
$2,842Net interest income
$215Provision for loan and lease losses
$123Total noninterest income
$0Fiduciary activities
$59Service charges on deposit accounts
$0Trading account gains & fees
$64Additional noninterest income
$2,041Total noninterest expense
$1,077Salaries and employee benefits
$129Premises and equipment expense
$835Additional noninterest expense
$709Pre-tax net operating income
$0Securities gains (losses)
$219Applicable income taxes
$490Income before extraordinary items
$0Extraordinary gains - net
$490Net income attributable to bank
$0Net charge-offs
$490Cash dividends
$144Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.22%Yield on earning assets
1.34%Cost of funding earning assets
2.88%Net interest margin
0.12%Noninterest income to earning assets
2.07%Noninterest expense to earning assets
0.47%Net operating income to assets
0.47%Return on assets (ROA)
0.68%Pretax return on assets
4.13%Return on equity (ROE)
4.13%Retained earnings to average equity (YTD only)
0.35%Net charge-offs to loans
149.31%Credit loss provision to net charge-offs
6.42%Efficiency ratio
68,836Assets per employee
6.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.99%Loss allowance to noncurrent loans
34.15%Noncurrent assets plus other real estate owned to assets
3.03%Noncurrent loans to loans
5.83%Net loans and leases to deposits
41.59%Net loans and leases to core deposits
53.15%Equity capital to assets
11.45%Core capital (leverage) ratio
11.35%Tier 1 risk-based capital ratio
32.03%Total risk-based capital ratio
Memoranda
$33Average assets
$104,814Average earning assets
$11,852Average equity
$98,640Average loans
List of branches
1 Colorado Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41694
Century Savings And Loan Association
233 East Main St, Trinidad, CO 81082
January 01, 1903
Full Service Brick and Mortar
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