Century Bank
Online Banking Login

Financial Highlights

Financial Highlights
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 5,163,935 4,785,572 4,462,608 3,947,441 3,624,036
Total Net Loans 2,257,035 2,149,689 1,899,527 1,708,461 1,309,048
Total Deposits 4,406,964 3,916,967 3,653,218 3,075,060 2,737,591
Equity Attributable to Parent Company 300,439 260,297 240,041 214,544 192,500
Total Equity 300,439 260,297 240,041 214,544 192,500
Profitability (%)
Net Income($000) 36,213 22,301 24,534 23,021 21,860
Net Income Attributable to Parent($000) 36,213 22,301 24,534 23,021 21,860
ROAA 0.74 0.48 0.57 0.59 0.61
Core ROAA NA 0.66 0.57 0.58 0.60
ROAE 13.05 8.75 10.80 11.26 11.57
ROATCE 13.18 8.85 10.93 11.41 11.73
Core ROAE NA 12.06 10.78 11.07 11.41
Net Interest Margin 2.18 2.25 2.12 2.18 2.22
Reported: Net Interest Margin 2.18 2.25 2.12 2.18 2.22
Efficiency Ratio 59.22 57.82 62.78 64.51 62.35
Noninterest Inc/ Operating Rev 14.93 16.15 17.91 18.04 18.28
Balance Sheet Ratios (%)
Loans/ Deposits 51.86 55.55 52.66 56.31 48.63
Securities/ Assets NA 44.33 48.75 47.46 51.91
Total Equity/ Total Assets 5.82 5.44 5.38 5.44 5.31
Tangible Equity/ Tangible Assets 5.77 5.39 5.32 5.37 5.24
Tang Common Equity/ Tang Assets 5.77 5.39 5.32 5.37 5.24
Asset Quality (%)
NPAs/ Assets NA 0.09 0.10 0.14 0.21
NPA Excl Restructured/ Assets NA 0.04 0.02 0.06 0.11
NPAs & 90+ PD/ Assets NA 0.09 0.10 0.14 0.21
NPAs/ Loans & REO NA 0.20 0.24 0.32 0.56
Nonaccrual & 90+ & OREO/ Assets NA 0.04 0.02 0.06 0.11
NPAs & 90+ PD/ Loans & REO NA 0.20 0.24 0.32 0.56
NPA & Loans 90+/ Tangible Common Equity + LLR NA 1.56 1.76 2.38 3.51
NCOs/ Avg Loans (0.04) 0 0 (0.04) 0.05
Loan Loss Reserves/ Gross Loans 1.25 1.21 1.27 1.33 1.68
Reserves/ NPAs NA 592.26 529.41 412.20 299.89
Loan Loss Provision/ NCO NM NM NM NM 304.61
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 313,692 279,778 249,753 233,560 211,798
Tier 1 Capital($000) 348,885 314,778 280,659 268,560 246,798
Tier 2 Capital($000) NA 26,255 24,406 23,075 NA
Total Capital($000) 377,428 341,033 305,065 291,635 269,044
Total Risk-weighted Assets($000) 2,771,129 2,613,116 2,398,796 2,325,258 1,779,573
Tier 1 Common Capital (CET1) Ratio(%) 11.32 10.71 10.41 10.04 11.90
Tier 1 Ratio(%) 12.59 12.05 11.70 11.55 13.87
Total Capital Ratio(%) 13.62 13.05 12.72 12.54 15.12
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 6.91 6.78 6.28 6.79 6.91
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 5,567,909 5,567,909 5,567,909 5,567,909 5,567,909
Avg Diluted Shares(actual) 5,567,909 5,567,909 5,567,909 5,567,909 5,562,209
Basic Book Value per Share 53.96 46.75 43.11 38.53 34.57
Book Value per Share, As Reported 53.96 46.75 43.11 38.53 34.57
Basic Tangible Book Value per Share 53.47 46.26 42.62 38.04 34.09
Tangible Book Value per Share, As Reported 53.47 46.26 42.62 38.04 34.09
Common Dividends Declared per Share 0.48 0.48 0.48 0.48 0.48
EPS after Extra 6.50 4.01 4.41 4.13 3.93
EPS after Extra Growth(%) 62.10 (9.10) 6.80 5.10 8.90
Core EPS NA 5.52 4.40 4.06 3.88
Core EPS Growth(%) NA 25.40 8.40 4.70 19
Diluted EPS before Amortization 6.50 4.01 4.41 4.13 3.93
Pre-Provision Earnings per Share 5.55 4.09 2.98 2.70 2.84
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.