Century Bank
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Balance Sheet

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Assets ($000)
Cash and Due from Banks 85,014 89,540 77,199 62,400 52,877
Fed Funds Sold 0 0 0 0 0
Deposits at Financial Institutions 249,091 252,963 279,231 176,934 171,080
Securities Purchased, to Resell 0 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0 0
Cash and Cash Equivalents 334,105 342,503 356,430 239,334 223,957
Trading Account Securities 0 0 0 0 0
Available for Sale Securities 261,739 336,759 395,830 499,297 404,623
Held to Maturity Securities 2,164,135 2,046,647 1,701,233 1,653,986 1,438,903
Other Securities 15,697 20,653 24,525 22,126 29,890
Total Cash & Securities 2,775,676 2,746,562 2,478,018 2,414,743 2,097,373
Gross Loans Held for Investment 2,375,661 2,285,578 2,175,944 1,923,933 1,731,536
Loan Loss Reserve 29,097 28,543 26,255 24,406 23,075
Loans Held for Sale, before Reserves 0 0 0 0 0
Total Net Loans 2,346,564 2,257,035 2,149,689 1,899,527 1,708,461
Real Estate Owned and Held for Investment NA 2,225 0 0 0
Goodwill 2,714 2,714 2,714 2,714 2,714
Core Deposit Intangibles 0 0 0 0 0
Other Intangibles 0 0 0 0 0
Intangible Assets other than Goodwill 0 0 0 0 0
Total Intangible Assets 2,714 2,714 2,714 2,714 2,714
Loan Servicing Rights NA 1,226 1,525 1,629 1,305
Credit Card Rights 0 0 0 0 0
Other Loan Servicing Rights 0 0 0 0 0
Total Servicing Rights NA 1,226 1,525 1,629 1,305
Fixed Assets 44,464 23,921 23,527 23,417 24,106
Interest Receivable 13,275 14,406 11,179 9,645 8,002
Prepaid Expense NA NA NA 1,528 1,304
Bank-owned Life Insurance NA 56,899 56,438 55,409 54,191
Other Assets 116,488 58,947 62,482 53,996 49,985
Total Other Assets 174,227 154,173 153,626 143,995 137,588
Total Assets 5,299,181 5,163,935 4,785,572 4,462,608 3,947,441
Memo: Consolidated VIE Assets NA 0 0 0 0
Memo: Covered Loans 0 0 0 0 0
Memo: Covered OREO 0 0 0 0 0
Memo: Covered Securities 0 0 0 0 0
Memo: Covered Assets 0 0 0 0 0
Liabilities ($000)
Total Deposits 4,339,853 4,406,964 3,916,967 3,653,218 3,075,060
FHLB Borrowings 209,188 202,378 347,778 293,000 368,000
Senior Debt 529,524 356,618 506,768 475,280 565,850
Trust Preferred (FAS 150) 36,083 36,083 36,083 36,083 36,083
Total Subordinated Debt 36,083 36,083 36,083 36,083 36,083
Redeemable Financial Instruments (FAS 150) 0 0 0 0 0
Total Debt 565,607 392,701 542,851 511,363 601,933
Total Other Liabilities 64,761 63,831 65,457 57,986 55,904
Total Liabilities 4,970,221 4,863,496 4,525,275 4,222,567 3,732,897
Memo: Consolidated VIE Liabilities NA 0 0 0 0
Mezzanine ($000)
Redeemable Preferred 0 0 0 0 0
Trust Preferred Securities 0 0 0 0 0
Total Minority Interest 0 0 0 0 0
Other Mezzanine Items 0 0 0 0 0
Total Mezzanine Level Items 0 0 0 0 0
Equity ($000)
TARP Preferred Equity 0 0 0 0 0
Other Preferred Equity 0 0 0 0 0
Total Preferred Equity 0 0 0 0 0
Common Equity 328,960 300,439 260,297 240,041 214,544
Equity Attributable to Parent Company 328,960 300,439 260,297 240,041 214,544
Noncontrolling Interests 0 0 0 0 0
Total Equity 328,960 300,439 260,297 240,041 214,544
Net Unrealized Gain (2,141) (2,559) (3,112) (4,651) (7,142)
Tot Acc Other Comprehensive Inc (17,701) (18,909) (21,229) (21,384) (24,548)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 44.83 44.26 45.47 43.11 43.86
Loans/ Deposits 54.74 51.86 55.55 52.66 56.31
Loan Loss Reserves/ Gross Loans 1.22 1.25 1.21 1.27 1.33
Reserves/ Loans Held For Investment 1.22 1.25 1.21 1.27 1.33
One Year Gap/ Assets NA NA NA NA NA
1-4 Loans Serviced for Others($000) NA 209,685 230,084 241,093 186,013
Level 1 Assets($000) 324 293 321 344 215
Level 2 Assets($000) 239,286 249,334 314,572 334,077 247,411
Level 3 Assets($000) 23,974 91,204 82,846 165,136 158,053
Level 1 Liabilities($000) 0 0 0 0 0
Level 2 Liabilities($000) 0 0 0 0 0
Level 3 Liabilities($000) 0 0 0 0 0
FTE Employees(actual) NA 432 416 405 406
Annualized Growth Rates (%)
Asset Growth 3.49 7.91 7.24 13.05 8.92
Gross Loans HFI Growth 5.26 5.04 13.10 11.11 30.06
Deposit Growth (2.03) 12.51 7.22 18.80 12.33
Average Balances ($000)
Avg Gross Loans HFI 2,325,136 2,222,946 2,059,797 1,808,297 1,507,546
Avg Loans HFS 0 0 0 15,146 0
Average Loans, Gross of Reserves 2,325,136 2,222,946 2,059,797 1,838,136 1,507,546
Avg Securities 2,453,118 2,254,426 2,186,915 2,031,686 2,058,168
Avg Other Int Earn Assets 184,035 183,903 189,193 235,339 157,765
Avg Secs & Other Int Earn Assets 2,637,153 2,438,329 2,376,108 2,267,025 2,215,933
Avg Interest Earning Assets 4,962,289 4,661,275 4,435,905 4,105,161 3,723,479
Avg Assets 5,181,097 4,862,988 4,632,204 4,291,492 3,892,620
Avg CDs 512,228 577,975 566,941 452,562 408,711
Avg Other Interest-bearing Deposits 3,067,548 2,744,269 2,562,943 2,364,118 2,090,646
Avg Interest-bearing Deposits 3,579,776 3,322,244 3,129,884 2,816,680 2,499,357
Avg Debt 443,072 439,618 498,786 580,930 619,384
Avg Interest-bearing Liabs 4,022,848 3,761,862 3,628,670 3,397,610 3,118,741
Avg Noninterest-bearing Deposits 764,852 753,604 687,853 609,159 518,161
Avg Total Deposits 4,344,628 4,075,848 3,817,737 3,425,839 3,017,518
Avg Preferred Equity 0 0 0 0 0
Avg Common Equity 314,070 277,502 254,756 227,121 204,471
Avg Equity 314,070 277,502 254,756 227,121 204,471
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.