FDIC Certificate #: 22312 Status: Active Federal Reserve ID: 1006344 Bank Holding Company (Regulatory Top Holder): Columbia Bancshares, Inc. (RSSDID: 1022858, Location: Columbia, IL) Date Established: August 02, 1976 WWW:http://www.columbianationalbank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 15521 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: August 02, 1976 Last Structure Change Effective Date: September 19, 2007 Last Structure Change Process Date: November 16, 2007 Last Data Update: November 16, 2007 Data Source Date: April 05, 2012
Location
Address: 700 Colombia Centre, Columbia, IL 62236 County: Monroe Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Mount Vernon Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040) Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476) Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180) CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
History of Changes
Change in Location
Financial Summary
Total assets: $42.6 mil Equity capital: $5.1 mil Deposits held in domestic offices: $37.4 mil Return on assets (ROA): 0.06% ($0.0 mil) Quarterly return on assets: 0.08% ($0.0 mil) Return on Equity (ROE): 0.47% ($0.0 mil) Quarterly return on equity: 0.70% ($0.0 mil) Net income: $0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.06% ($25.6 mil) Quarterly Pretax return on assets: 0.08% ($34.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$42,637Total assets
$2,957Cash and due from depository institutions
$1,240Interest-bearing balances
$11,619Securities
$1,150Federal funds sold & reverse repurchase agreements
$25,354Net loans & leases
$260Loan loss allowance
$0Trading account assets
$526Bank premises and fixed assets
$338Other real estate owned
$0Goodwill and other intangibles
$42,637Life insurance assets
$693All other assets
$37,490Total liabilities and capital
$37,380Total liabilities
$26,968Total deposits
$37,380Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$110Subordinated debt
$5,147All other liabilities
$5,147Total equity capital
$5,147Total bank equity capital
$0Perpetual preferred stock
$480Common stock
$480Surplus
$4,187Undivided profits
Memoranda
$0Noncurrent loans and leases
$425Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$723Income earned, not collected on loans
$0Earning assets
$156Long-term assets (5+ years)
$39,363Average Assets, year-to-date
$1,531Average Assets, quarterly
$42,782Volatile liabilities
$43,436Insider loans
$26,519FHLB advances
$42,963Loans and leases held for sale
$389Unused loan commitments
$389Tier 1 (core) risk-based capital
$4,951Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,645Restructured Loans and leases
$640Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,690Total interest income
$235Total interest expense
$1,455Net interest income
$154Provision for loan and lease losses
$124Total noninterest income
$0Fiduciary activities
$92Service charges on deposit accounts
$0Trading account gains & fees
$32Additional noninterest income
$1,401Total noninterest expense
$778Salaries and employee benefits
$170Premises and equipment expense
$453Additional noninterest expense
$24Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$24Income before extraordinary items
$0Extraordinary gains - net
$24Net income attributable to bank
$0Net charge-offs
$24Cash dividends
$142Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.24%Yield on earning assets
0.59%Cost of funding earning assets
3.65%Net interest margin
0.31%Noninterest income to earning assets
3.52%Noninterest expense to earning assets
0.06%Net operating income to assets
0.06%Return on assets (ROA)
0.06%Pretax return on assets
0.47%Return on equity (ROE)
0.47%Retained earnings to average equity (YTD only)
0.55%Net charge-offs to loans
108.45%Credit loss provision to net charge-offs
1.25%Efficiency ratio
88,727Assets per employee
2.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
35.96%Noncurrent assets plus other real estate owned to assets
2.49%Noncurrent loans to loans
2.82%Net loans and leases to deposits
67.83%Net loans and leases to core deposits
68.75%Equity capital to assets
12.07%Core capital (leverage) ratio
11.52%Tier 1 risk-based capital ratio
18.67%Total risk-based capital ratio
Memoranda
$20Average assets
$42,782Average earning assets
$5,053Average equity
$39,839Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15521
Columbia National Bank
700 Colombia Centre, Columbia, IL 62236
August 02, 1976
Full Service Brick and Mortar
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