Century Savings and Loan Association

Century Savings and Loan Association is headquartered in Trinidad and is the 68^th largest bank in the state of Colorado. It is also the 4,825^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 17 employees at 1 location. Century Savings and Loan Association has a 3-star health rating.

Century Savings and Loan Association Checking Account Rates

Century Savings and Loan Association Savings Account Rates

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Century Savings and Loan Association IRA Rates

Data for Q1 2012

Institution Statistics Century Savings and Loan Association OTS # 02505 FDIC Certificate # 28860 BankRate Report View Year Established 1903 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $105.09 million Loans $36.79 million Deposits $91.96 million Equity Capital $12.19 million Loan Loss Allowance $717,000 Unbacked Noncurrent Loans $2.41 million Real Estate Owned $1.02 million Historic Data - March 2011 Assets $103.76 million Equity Capital $11.68 million Loan Loss Allowance $624,000 Unbacked Noncurrent Loans $1.40 million Real Estate Owned $1.12 million Profit Margin - Quarterly Net Interest Margin 2.59% Return on Assets 0.44% Return on Equity 3.82% Interest Income $909,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Century Savings and Loan Association had $3.42 million in non-current loans and owned real-estate with $12.9 million in equity and loan loss allowances on hand to cover it. This gives Century Savings and Loan Association a Texas Ratio of 26.54% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Century Savings and Loan Association increased slightly from 20.51% as of March 31, 2011 to 26.54% as of March 31, 2012, resulting in a negative change of 29.38%. This indicates that the balance sheet and financial strength for Century Savings and Loan Association has declined slightly in recent periods. Deposit Growth In the past year, Century Savings and Loan Association has increased its total deposits by $739,000, resulting in 0.81% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Century Savings and Loan Association has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Century Savings and Loan Association has $105.09 million in assets with $12.9 million in equity, resulting in a capitalization level of 12.28%, which is excellent.

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