Central State Bank in city_name, state_name - Detailed Financial Reports, Location

Central State Bank in Calera, Alabama (AL)
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Central State Bank routing number info

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

No	ID	Name	Address	Established	Service Type
0	52	Central State Bank	11025 Hwy 25, Calera, AL 35040	Febuary 05, 1916	Full Service Brick and Mortar
1	180971	Calera Branch	57 Shelby County Road 87, Calera, AL 35040	October 26, 1998	Full Service Brick and Mortar
2	453195	Pelham Branch	3145 Highway 31 South, Pelham, AL 35124	October 10, 2005	Full Service Brick and Mortar
3	510715	Limestone Office Branch	71 Limestone Parkway, Calera, AL 35040	October 13, 2009	Full Service Brick and Mortar

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

Central State 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:

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

Central State 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:

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