Century Bank in Santa Fe, New Mexico (NM)
Overview, Financial Summary, Detailed Financial Reports, Branches


Century Bank - Overview

  • General
  • FDIC Certificate #: 28362
    Status: Active
    Federal Reserve ID: 83375
    Bank Holding Company (Regulatory Top Holder): Century Financial Services Corporation (RSSDID: 3632756, Location: Santa Fe, NM)
    Date Established: January 01, 1910
    WWW: http://www.centurynetbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 1441
    FDIC's unique #: 41196
    Numeric code: 21
    Regulator: FDIC
    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: March 14, 1952
    Last Structure Change Effective Date: December 01, 2007
    Last Structure Change Process Date: December 12, 2007
    Last Data Update: December 12, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 South Federal Place At Lincoln Av, Santa Fe, NM 87504
    County: Santa Fe
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Albuquerque
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Santa Fe, NM (#7490)
    Combined Statistical Area (CSA): Santa Fe-Espanola, NM (#492)
    Core Based Statistical Area (CBSA): Santa Fe, NM (#42140)
    CBSA Metro Statistical Area: Santa Fe, NM (#42140)
  • History of Changes
  • Name Change
    Change in Primary Regulatory Agency
    Change in Entity Type
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $545.5 mil
    Equity capital: $63.3 mil
    Deposits held in domestic offices: $440.6 mil
    Return on assets (ROA): 0.48% ($2.6 mil)
    Quarterly return on assets: 0.65% ($3.5 mil)
    Return on Equity (ROE): 4.34% ($2.7 mil)
    Quarterly return on equity: 5.61% ($3.5 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 0.48% ($2,618.6 mil)
    Quarterly Pretax return on assets: 0.65% ($3,546.0 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
  • 160Total employees (full-time equivalent)
  • $545,533Total assets
  • $9,424Cash and due from depository institutions
  • $3,954Interest-bearing balances
  • $196,851Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $308,345Net loans & leases
  • $5,500Loan loss allowance
  • $131Trading account assets
  • $12,246Bank premises and fixed assets
  • $8,811Other real estate owned
  • $0Goodwill and other intangibles
  • $545,533Life insurance assets
  • $9,725All other assets
  • $482,267Total liabilities and capital
  • $440,553Total liabilities
  • $329,757Total deposits
  • $440,553Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $38,486Trading liabilities
  • $0Other borrowed funds
  • $3,228Subordinated debt
  • $63,266All other liabilities
  • $63,266Total equity capital
  • $63,266Total bank equity capital
  • $0Perpetual preferred stock
  • $322Common stock
  • $20,383Surplus
  • $42,561Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,104Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,524Income earned, not collected on loans
  • $0Earning assets
  • $2,158Long-term assets (5+ years)
  • $509,281Average Assets, year-to-date
  • $190,483Average Assets, quarterly
  • $534,338Volatile liabilities
  • $540,989Insider loans
  • $370,521FHLB advances
  • $538,239Loans and leases held for sale
  • $1,883Unused loan commitments
  • $1,883Tier 1 (core) risk-based capital
  • $59,615Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $63,331Restructured Loans and leases
  • $7,732Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,747Total interest income
  • $2,571Total interest expense
  • $21,176Net interest income
  • $3,137Provision for loan and lease losses
  • $5,435Total noninterest income
  • $338Fiduciary activities
  • $3,455Service charges on deposit accounts
  • $51Trading account gains & fees
  • $1,591Additional noninterest income
  • $21,856Total noninterest expense
  • $12,601Salaries and employee benefits
  • $2,772Premises and equipment expense
  • $6,483Additional noninterest expense
  • $1,618Pre-tax net operating income
  • $971Securities gains (losses)
  • $0Applicable income taxes
  • $2,589Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,589Net income attributable to bank
  • $0Net charge-offs
  • $2,589Cash dividends
  • $2,800Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 0.52%Cost of funding earning assets
  • 4.27%Net interest margin
  • 1.10%Noninterest income to earning assets
  • 4.41%Noninterest expense to earning assets
  • 0.30%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 4.34%Return on equity (ROE)
  • 4.34%Retained earnings to average equity (YTD only)
  • 0.90%Net charge-offs to loans
  • 112.04%Credit loss provision to net charge-offs
  • 1.70%Efficiency ratio
  • 82,131Assets per employee
  • 3.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 57.75%Noncurrent assets plus other real estate owned to assets
  • 3.36%Noncurrent loans to loans
  • 3.03%Net loans and leases to deposits
  • 69.99%Net loans and leases to core deposits
  • 86.67%Equity capital to assets
  • 11.60%Core capital (leverage) ratio
  • 11.08%Tier 1 risk-based capital ratio
  • 16.09%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $534,338Average earning assets
  • $59,687Average equity
  • $496,144Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $35,678Managed Assets
  • 1Number of Accounts
  • $34,719Personal trust and agency accounts
  • $19,982Employee benefit-defined contribution accounts
  • $864Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $2,072Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $11,801Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 94Number of Accounts
  • $0Personal trust and agency accounts
  • $2,072Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $959Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $69Fiduciary accounts held in foreign offices

List of branches

  • 8 New Mexico Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041196Century Bank100 South Federal Place At Lincoln Av, Santa Fe, NM 87504January 01, 1910Full Service Brick and Mortar
    1266980St. Michaels Drive Branch1790 St Michaels Drive, Santa Fe, NM 87501January 01, 1910Full Service Brick and Mortar
    2266981Devargas Branch498 North Guadalupe, Santa Fe, NM 87501June 30, 1996Full Service Brick and Mortar
    3359187Rodeo Road Branch4062 Cerrillos Road, Santa Fe, NM 87505June 01, 2000Full Service Brick and Mortar
    4450423Espanola Branch460 G Riverside Drive, Espanola, NM 87532July 13, 2002Full Service Brick and Mortar
    5478975Customer Service Center Branch2108 Warner Ave, Santa Fe, NM 87505May 01, 1998Limited Service Administrative
    6487516Albuquerque Branch8220 San Pedro Drive Ne, Suite 200, Albuquerque, NM 87113January 20, 2009Full Service Brick and Mortar
    7512900Las Cruces Branch141 Roadrunner Parkway, Las Cruces, NM 88011October 04, 2010Full Service Brick and Mortar

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