Century Bank
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Balance Sheet

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Assets ($000)
Cash and Due from Banks 64,523 44,420 89,540 77,199 62,400
Fed Funds Sold 0 0 0 0 0
Deposits at Financial Institutions 218,488 214,273 252,963 279,231 176,934
Securities Purchased, to Resell 0 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0 0
Cash and Cash Equivalents 283,011 258,693 342,503 356,430 239,334
Trading Account Securities 0 0 0 0 0
Available for Sale Securities 278,019 260,502 336,759 395,830 499,297
Held to Maturity Securities 2,304,074 2,351,120 2,046,647 1,701,233 1,653,986
Other Securities 19,933 22,242 20,653 24,525 22,126
Total Cash & Securities 2,885,037 2,892,557 2,746,562 2,478,018 2,414,743
Gross Loans Held for Investment 2,498,894 2,426,119 2,285,578 2,175,944 1,923,933
Loan Loss Reserve 30,804 29,585 28,543 26,255 24,406
Loans Held for Sale, before Reserves 0 0 0 0 0
Total Net Loans 2,468,090 2,396,534 2,257,035 2,149,689 1,899,527
Real Estate Owned and Held for Investment 0 0 2,225 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 1,137 1,202 1,226 1,525 1,629
Credit Card Rights 0 0 0 0 0
Other Loan Servicing Rights 0 0 0 0 0
Total Servicing Rights 1,137 1,202 1,226 1,525 1,629
Fixed Assets 48,323 46,473 23,921 23,527 23,417
Interest Receivable 12,998 13,110 14,406 11,179 9,645
Prepaid Expense NA NA NA NA 1,528
Bank-owned Life Insurance 92,727 86,339 56,899 56,438 55,409
Other Assets 51,260 53,495 58,947 62,482 53,996
Total Other Assets 205,308 199,417 154,173 153,626 143,995
Total Assets 5,562,286 5,492,424 5,163,935 4,785,572 4,462,608
Memo: Consolidated VIE Assets 0 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 4,562,512 4,400,111 4,406,964 3,916,967 3,653,218
FHLB Borrowings 312,120 370,955 202,378 347,778 293,000
Senior Debt 544,382 649,690 356,618 506,768 475,280
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 580,465 685,773 392,701 542,851 511,363
Total Other Liabilities 78,622 73,959 63,831 65,457 57,986
Total Liabilities 5,221,599 5,159,843 4,863,496 4,525,275 4,222,567
Memo: Consolidated VIE Liabilities 0 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 340,687 332,581 300,439 260,297 240,041
Equity Attributable to Parent Company 340,687 332,581 300,439 260,297 240,041
Noncontrolling Interests 0 0 0 0 0
Total Equity 340,687 332,581 300,439 260,297 240,041
Net Unrealized Gain (3,487) (2,120) (2,559) (3,112) (4,651)
Tot Acc Other Comprehensive Inc (25,266) (24,259) (18,909) (21,229) (21,384)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 44.93 44.17 44.26 45.47 43.11
Loans/ Deposits 54.77 55.14 51.86 55.55 52.66
Loan Loss Reserves/ Gross Loans 1.23 1.22 1.25 1.21 1.27
Reserves/ Loans Held For Investment 1.23 1.22 1.25 1.21 1.27
One Year Gap/ Assets NA NA NA NA NA
1-4 Loans Serviced for Others($000) 194,600 205,138 209,685 230,084 241,093
Level 1 Assets($000) 243 343 293 321 344
Level 2 Assets($000) 262,161 248,546 249,334 314,572 334,077
Level 3 Assets($000) 17,832 14,178 91,204 82,846 165,136
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) 432 432 432 416 405
Annualized Growth Rates (%)
Asset Growth 5.09 6.36 7.91 7.24 13.05
Gross Loans HFI Growth 12 6.15 5.04 13.10 11.11
Deposit Growth 14.76 (0.16) 12.51 7.22 18.80
Average Balances ($000)
Avg Gross Loans HFI 2,447,962 2,341,190 2,222,946 2,059,797 1,808,297
Avg Loans HFS 0 0 0 0 15,146
Average Loans, Gross of Reserves 2,447,962 2,341,190 2,222,946 2,059,797 1,838,136
Avg Securities 2,571,722 2,466,184 2,254,426 2,186,915 2,031,686
Avg Other Int Earn Assets 173,928 189,710 183,903 189,193 235,339
Avg Secs & Other Int Earn Assets 2,745,650 2,655,894 2,438,329 2,376,108 2,267,025
Avg Interest Earning Assets 5,193,612 4,997,084 4,661,275 4,435,905 4,105,161
Avg Assets 5,449,269 5,218,944 4,862,988 4,632,204 4,291,492
Avg CDs 589,396 519,761 577,975 566,941 452,562
Avg Other Interest-bearing Deposits 3,213,234 3,083,870 2,744,269 2,562,943 2,364,118
Avg Interest-bearing Deposits 3,802,630 3,603,631 3,322,244 3,129,884 2,816,680
Avg Debt 464,111 456,287 439,618 498,786 580,930
Avg Interest-bearing Liabs 4,266,741 4,059,918 3,761,862 3,628,670 3,397,610
Avg Noninterest-bearing Deposits 758,173 760,420 753,604 687,853 609,159
Avg Total Deposits 4,560,803 4,364,051 4,075,848 3,817,737 3,425,839
Avg Preferred Equity 0 0 0 0 0
Avg Common Equity 336,932 319,169 277,502 254,756 227,121
Avg Equity 336,932 319,169 277,502 254,756 227,121
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.