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Overview / Commentary
719-846-2257
233 East Main St
Trinidad, CO 81082

Century Savings and Loan Association is headquartered in Trinidad and is the 71st largest bank in the state of Colorado. It is also the 4,687th largest bank in the nation. It was established in 1903 and as of March of 2014, it had grown to 17 employees at 1 location. Century Savings and Loan Association has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Century Savings and Loan Association had $2.47 million in non-current loans and owned real-estate with $13.32 million in equity and loan loss allowances on hand to cover it. This gives Century Savings and Loan Association a Texas Ratio of 18.56% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Century Savings and Loan Association decreased slightly from 24.98% as of March 31, 2013 to 18.56% as of March 31, 2014, resulting in a positive change of 25.72%.This indicates that the balance sheet and financial strength for Century Savings and Loan Association has improved slightly in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Century Savings and Loan Association has decreased its total deposits by -$2.57 million, resulting in -2.82% 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 below average.

Capitalization

GRADE:
A+

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 $102.06 million in assets with $13.32 million in equity, resulting in a capitalization level of 13.05%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #28860
Year Established1903
Employees17
Primary RegulatorFDIC
Assets and Liabilities
Assets$102.06 million
Loans$32.44 million
Deposits$88.68 million
Equity Capital$12.47 million
Loan Loss Allowance$842,000
Unbacked Noncurrent Loans$1.92 million
Real Estate Owned$551,000
Historic Data - March 2013
Assets$104.51 million
Equity Capital$12.35 million
Loan Loss Allowance$846,000
Unbacked Noncurrent Loans$1.92 million
Real Estate Owned$1.28 million
Profit Margin - Quarterly
Net Interest Margin2.72%
Return on Assets0.17%
Return on Equity1.38%
Interest Income$825,000
Rates

Always verify rates and promotions with the bank or credit union. We are not Century Savings and Loan Association, we are a rate comparison website and can not provide official rates or promotions.

Century Savings and Loan Association Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%--IRA Passbook Savings Account
0.15%--Passbook Savings Account

Century Savings and Loan Association Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-Money Market Deposit Account (MMDA)

Century Savings and Loan Association Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$1k-Super NOW Checking Account
0.10%$500-NOW Checking Account
0.10%$500-Senior Citizen Now Checking Account

Century Savings and Loan Association CD Rates

DetailsAPYMINMAXPRODUCT
1.36%$50k-5 Year CD
1.16%$50k-3 Year CD
1.01%$100k-2-Year Jumbo CD
0.95%$50k-2 Year CD
0.80%$100k-1 Year Jumbo CD
0.75%$50k-1 Year CD
0.60%$100k-6-Month Jumbo CD
0.55%$50k-182-Day CD
0.40%$100k-3-Month Jumbo CD
0.35%$50k-91-Day CD

Century Savings and Loan Association IRA Rates

DetailsAPYMINMAXPRODUCT
1.46%$50k-5-Year IRA
0.95%$50k-18-Month IRA
Locations


Century Savings and Loan Association Locations
Century Savings and Loan Association233 East Main StTrinidad, CO 81082