Century Savings and Loan Association in Trinidad, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Century Savings and Loan Association in Trinidad, Colorado (CO)
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Century Savings and Loan Association - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    041694Century Savings And Loan Association233 East Main St, Trinidad, CO 81082January 01, 1903Full Service Brick and Mortar

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