Vitals
  • Total Assets
    238.7M 12.5 %
  • Total Deposits
    206.7M 13.2 %
  • Total Net Loans
    163.7M 22.6 %
  • Net Income
    2.3M 11.5 %
  • Book Value
    28.4M 8.5 %
  • Book Value x2
    56.8M 8.5 %
  • Book Value x3
    85.1M 8.5 %
ROAA

1.347

ROAE

11.251

Efficiency Ratio

64.672

Net Interest Margin

4.519

Balance Sheet Highlights
Financial Highlights Central State Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 238,684 262,366
Total Net Loans 163,713 153,206
Total Deposits 206,705 221,747
Total Equity 28,381 31,740
Profitability
Net Income 2,328 1,948
Return on Average Assets 1.347 .919
Return on Average Equity 11.251 7.567
Net Interest Margin 4.519 3.875
Efficiency Ratio 64.672 69.018
Noninterest Income/Revenue 14.009 15.504
Balance Sheet Ratios
Loan-to-Deposit 79.201 65.063
Securities/Assets .187 .233
Total Equity/Total Assets .119 .121
Tangible Equity/Tangible Assets .119 .119
Capital Adequacy
Tier 1 Common Capital 27,696 30,064
Tier 1 Capital 27,696 30,064
Tier 2 Capital 2,144 1,856
Total Capital 29,840 31,916
Total Risk Weighted Assets 171,257 178,436
Leverage Ratio 11.95 11.795
Common Equity Tier 1 Capital Ratio 16.17 18.994
Tier 1 Capital Ratio 16.17 18.999
Total Capital Ratio 17.42 20.08

Timeline for Central State Bank

Central State Bancorporation

Central State Bancorporation became a new parent organization for Central State Bank.

View Profile Apr 01 1983

Central State Bank

Central State Bank was established 108 years ago and is currently headquartered in Calera, AL.

Feb 05 1916
Relationships Role Relationship Start Relationship End
Central State Bancorporation Parent 8/23/1996
Central State Bancorporation Parent 12/31/1984 8/22/1996
Central State Bancorporation Parent 4/1/1983 12/30/1984
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