FDIC Certificate #: 57720 Status: Active Federal Reserve ID: 3258286 Date Established: April 05, 2004 WWW:http://www.centurybankoregon.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 423009 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: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: April 05, 2004 Last Structure Change Effective Date: April 03, 2006 Last Structure Change Process Date: April 06, 2006 Last Data Update: April 06, 2006 Data Source Date: April 05, 2012
Location
Address: 169 West 6th Avenue, Eugene, OR 97401 County: Lane Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Portland Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Eugene-Springfield, OR (#2400) Core Based Statistical Area (CBSA): Eugene-Springfield, OR (#21660) CBSA Metro Statistical Area: Eugene-Springfield, OR (#21660)
History of Changes
Corrections
Change in Location
Financial Summary
Total assets: $84.9 mil Equity capital: $11.2 mil Deposits held in domestic offices: $69.7 mil Return on assets (ROA): 0.28% ($0.2 mil) Quarterly return on assets: 0.24% ($0.2 mil) Return on Equity (ROE): 2.27% ($0.2 mil) Quarterly return on equity: 1.83% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.62% ($526.6 mil) Quarterly Pretax return on assets: 1.09% ($925.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$84,932Total assets
$16,532Cash and due from depository institutions
$12,066Interest-bearing balances
$101Securities
$0Federal funds sold & reverse repurchase agreements
$66,331Net loans & leases
$1,355Loan loss allowance
$0Trading account assets
$134Bank premises and fixed assets
$561Other real estate owned
$0Goodwill and other intangibles
$84,932Life insurance assets
$1,273All other assets
$73,775Total liabilities and capital
$69,677Total liabilities
$53,691Total deposits
$69,677Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$98Subordinated debt
$11,157All other liabilities
$11,157Total equity capital
$11,157Total bank equity capital
$0Perpetual preferred stock
$9,975Common stock
$108Surplus
$1,074Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,080Income earned, not collected on loans
$0Earning assets
$290Long-term assets (5+ years)
$78,498Average Assets, year-to-date
$7,828Average Assets, quarterly
$88,593Volatile liabilities
$86,000Insider loans
$68,425FHLB advances
$85,038Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,153Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,208Restructured Loans and leases
$940Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,331Total interest income
$657Total interest expense
$3,674Net interest income
$431Provision for loan and lease losses
$236Total noninterest income
$0Fiduciary activities
$105Service charges on deposit accounts
$0Trading account gains & fees
$131Additional noninterest income
$2,927Total noninterest expense
$1,639Salaries and employee benefits
$378Premises and equipment expense
$910Additional noninterest expense
$552Pre-tax net operating income
$0Securities gains (losses)
$302Applicable income taxes
$250Income before extraordinary items
$0Extraordinary gains - net
$250Net income attributable to bank
$0Net charge-offs
$250Cash dividends
$247Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.32%Yield on earning assets
0.81%Cost of funding earning assets
4.52%Net interest margin
0.29%Noninterest income to earning assets
3.60%Noninterest expense to earning assets
0.28%Net operating income to assets
0.28%Return on assets (ROA)
0.62%Pretax return on assets
2.27%Return on equity (ROE)
2.27%Retained earnings to average equity (YTD only)
0.35%Net charge-offs to loans
174.49%Credit loss provision to net charge-offs
3.98%Efficiency ratio
74,859Assets per employee
4.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.00%Loss allowance to noncurrent loans
26.67%Noncurrent assets plus other real estate owned to assets
6.64%Noncurrent loans to loans
7.51%Net loans and leases to deposits
95.20%Net loans and leases to core deposits
106.35%Equity capital to assets
13.14%Core capital (leverage) ratio
13.12%Tier 1 risk-based capital ratio
16.30%Total risk-based capital ratio
Memoranda
$18Average assets
$88,593Average earning assets
$10,989Average equity
$81,361Average loans
List of branches
1 Oregon Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
423009
Century Bank
169 West 6th Avenue, Eugene, OR 97401
April 05, 2004
Full Service Brick and Mortar
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