Central State Bank in Calera, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Central State Bank in Calera, Alabama (AL)
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Central State Bank - Overview

  • General
  • FDIC Certificate #: 72
    Status: Active
    Federal Reserve ID: 353238
    Bank Holding Company (Regulatory Top Holder): Central State Bancorporation (RSSDID: 1084593, Location: Calera, AL)
    Date Established: Febuary 05, 1916
    WWW: http://www.centralstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9282
    FDIC's unique #: 52
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 11025 Hwy 25, Calera, AL 35040
    County: Shelby
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Birmingham, AL (#1000)
    Combined Statistical Area (CSA): Birmingham-Hoover-Cullman, AL (#142)
    Core Based Statistical Area (CBSA): Birmingham-Hoover, AL (#13820)
    CBSA Metro Statistical Area: Birmingham-Hoover, AL (#13820)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $155.4 mil
    Equity capital: $21.2 mil
    Deposits held in domestic offices: $131.3 mil
    Return on assets (ROA): 0.81% ($1.3 mil)
    Quarterly return on assets: 0.88% ($1.4 mil)
    Return on Equity (ROE): 5.94% ($1.2 mil)
    Quarterly return on equity: 6.56% ($1.4 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.85% ($1,320.7 mil)
    Quarterly Pretax return on assets: 0.82% ($1,274.1 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
  • 52Total employees (full-time equivalent)
  • $155,381Total assets
  • $14,392Cash and due from depository institutions
  • $7,299Interest-bearing balances
  • $38,298Securities
  • $125Federal funds sold & reverse repurchase agreements
  • $89,770Net loans & leases
  • $1,686Loan loss allowance
  • $0Trading account assets
  • $4,460Bank premises and fixed assets
  • $494Other real estate owned
  • $0Goodwill and other intangibles
  • $155,381Life insurance assets
  • $7,842All other assets
  • $134,202Total liabilities and capital
  • $131,345Total liabilities
  • $107,345Total deposits
  • $131,345Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 750.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,107Subordinated debt
  • $21,179All other liabilities
  • $21,179Total equity capital
  • $21,179Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $2,902Surplus
  • $18,227Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $608Income earned, not collected on loans
  • $0Earning assets
  • $590Long-term assets (5+ years)
  • $135,492Average Assets, year-to-date
  • $40,955Average Assets, quarterly
  • $153,031Volatile liabilities
  • $156,423Insider loans
  • $107,652FHLB advances
  • $157,164Loans and leases held for sale
  • $5,092Unused loan commitments
  • $953Tier 1 (core) risk-based capital
  • $20,786Tier 2 risk-based capital
  • $4,139Total risk weighted assets
  • $0Total unused commitments
  • $11,447Restructured Loans and leases
  • $129Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,218Total interest income
  • $987Total interest expense
  • $6,231Net interest income
  • $1,060Provision for loan and lease losses
  • $1,348Total noninterest income
  • $0Fiduciary activities
  • $834Service charges on deposit accounts
  • $0Trading account gains & fees
  • $514Additional noninterest income
  • $5,420Total noninterest expense
  • $3,072Salaries and employee benefits
  • $689Premises and equipment expense
  • $1,659Additional noninterest expense
  • $1,099Pre-tax net operating income
  • $196Securities gains (losses)
  • $60Applicable income taxes
  • $1,235Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,235Net income attributable to bank
  • $0Net charge-offs
  • $1,235Cash dividends
  • $936Sale, conversion, retirement of capital stock, net
  • $756Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 4.63%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 4.03%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 5.94%Return on equity (ROE)
  • 2.30%Retained earnings to average equity (YTD only)
  • 1.05%Net charge-offs to loans
  • 113.25%Credit loss provision to net charge-offs
  • 2.31%Efficiency ratio
  • 71,513Assets per employee
  • 2.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.21%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 277.30%Noncurrent assets plus other real estate owned to assets
  • 0.71%Noncurrent loans to loans
  • 0.66%Net loans and leases to deposits
  • 68.35%Net loans and leases to core deposits
  • 76.76%Equity capital to assets
  • 13.63%Core capital (leverage) ratio
  • 13.23%Tier 1 risk-based capital ratio
  • 19.31%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $153,031Average earning assets
  • $20,809Average equity
  • $134,611Average loans

List of branches

  • 4 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    052Central State Bank11025 Hwy 25, Calera, AL 35040Febuary 05, 1916Full Service Brick and Mortar
    1180971Calera Branch57 Shelby County Road 87, Calera, AL 35040October 26, 1998Full Service Brick and Mortar
    2453195Pelham Branch3145 Highway 31 South, Pelham, AL 35124October 10, 2005Full Service Brick and Mortar
    3510715Limestone Office Branch71 Limestone Parkway, Calera, AL 35040October 13, 2009Full Service Brick and Mortar

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