Bank of Columbia in city_name, state_name - Detailed Financial Reports, Location

Bank of Columbia in Columbia, Kentucky (KY)
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Bank of Columbia routing number info

Bank of Columbia - Overview

General
FDIC Certificate #: 8775
Status: Active
Federal Reserve ID: 839246
Bank Holding Company (Regulatory Top Holder): Columbia Bancshares, Inc. (RSSDID: 1132140, Location: Columbia, KY)
Date Established: January 01, 1866
WWW: http://www.bankcolumbia.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 10979
FDIC's unique #: 5588
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: June 04, 2010
Last Data Update: June 04, 2010
Data Source Date: April 05, 2012
Location
Address: 144 Public Square, Columbia, KY 42728
County: Adair
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Elizabethtown
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $130.6 mil
Equity capital: $12.5 mil
Deposits held in domestic offices: $114.4 mil
Return on assets (ROA): 1.46% ($1.9 mil)
Quarterly return on assets: 2.75% ($3.6 mil)
Return on Equity (ROE): 16.13% ($2.1 mil)
Quarterly return on equity: 29.07% ($3.8 mil)
Net income: $1.9 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.46% ($1,907.5 mil)
Quarterly Pretax return on assets: 2.75% ($3,592.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
38Total employees (full-time equivalent)
$130,649Total assets
$2,795Cash and due from depository institutions
$29Interest-bearing balances
$23,233Securities
$711Federal funds sold & reverse repurchase agreements
$99,530Net loans & leases
$1,803Loan loss allowance
$0Trading account assets
$1,656Bank premises and fixed assets
$539Other real estate owned
$0Goodwill and other intangibles
$130,649Life insurance assets
$2,185All other assets
$118,132Total liabilities and capital
$114,435Total liabilities
$94,397Total deposits
$114,435Interest-bearing deposits
$96Deposits held in domestic offices
250.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,130Trading liabilities
$0Other borrowed funds
$317Subordinated debt
$12,517All other liabilities
$12,517Total equity capital
$12,517Total bank equity capital
$0Perpetual preferred stock
$700Common stock
$2,300Surplus
$9,517Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,003Income earned, not collected on loans
$0Earning assets
$1,200Long-term assets (5+ years)
$123,503Average Assets, year-to-date
$63,209Average Assets, quarterly
$132,161Volatile liabilities
$131,913Insider loans
$104,946FHLB advances
$131,464Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,354Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,270Restructured Loans and leases
$3,598Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,108Total interest income
$1,525Total interest expense
$5,583Net interest income
$878Provision for loan and lease losses
$645Total noninterest income
$0Fiduciary activities
$542Service charges on deposit accounts
$0Trading account gains & fees
$103Additional noninterest income
$3,687Total noninterest expense
$2,056Salaries and employee benefits
$366Premises and equipment expense
$1,265Additional noninterest expense
$1,663Pre-tax net operating income
$270Securities gains (losses)
$0Applicable income taxes
$1,933Income before extraordinary items
$0Extraordinary gains - net
$1,933Net income attributable to bank
$0Net charge-offs
$1,933Cash dividends
$265Sale, conversion, retirement of capital stock, net
$1,430Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.75%Yield on earning assets
1.23%Cost of funding earning assets
4.51%Net interest margin
0.52%Noninterest income to earning assets
2.98%Noninterest expense to earning assets
1.26%Net operating income to assets
1.46%Return on assets (ROA)
1.46%Pretax return on assets
16.13%Return on equity (ROE)
4.20%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
331.32%Credit loss provision to net charge-offs
9.59%Efficiency ratio
59,200Assets per employee
3.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
73.98%Loss allowance to loans
1.78%Loss allowance to noncurrent loans
45.04%Noncurrent assets plus other real estate owned to assets
3.48%Noncurrent loans to loans
3.95%Net loans and leases to deposits
86.98%Net loans and leases to core deposits
90.62%Equity capital to assets
9.58%Core capital (leverage) ratio
9.40%Tier 1 risk-based capital ratio
11.77%Total risk-based capital ratio
Memoranda
$13Average assets
$132,161Average earning assets
$11,984Average equity
$123,703Average loans

List of branches

3 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5588	Bank Of Columbia	144 Public Square, Columbia, KY 42728	January 01, 1866	Full Service Brick and Mortar
1	218923	Merchant Street Drive-In Branch	112 East Merchant Street, Columbia, KY 42728	September 03, 1968	Limited Service Facility
2	218924	Jamestown Street Branch	807 Jamestown Street, Columbia, KY 42728	January 15, 1981	Full Service Brick and Mortar

Bank of Columbia in Columbia, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Columbia - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Columbia in Columbia, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Columbia - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Columbia in Columbia, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches