FDIC Certificate #: 32284 Status: Active Federal Reserve ID: 28572 Bank Holding Company (Regulatory Top Holder): Columbia Bancorp, Inc (RSSDID: 3187247, Location: Cincinnati, OH) Date Established: October 30, 1892 WWW:http://www.columbiasavings.com Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 8092 FDIC's unique #: 45118 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: 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: Mortgage Lending Specialization Date of Deposit Insurance: December 31, 1985 Last Structure Change Effective Date: January 04, 2012 Last Structure Change Process Date: January 04, 2012 Last Data Update: January 04, 2012 Data Source Date: April 05, 2012
Location
Address: 411 Ludlow Avenue, Cincinnati, OH 45220 County: Hamilton Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Cincinnati Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640) Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21) Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140) CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $48.9 mil Equity capital: $2.9 mil Deposits held in domestic offices: $39.0 mil Return on assets (ROA): -4.23% (-$2.1 mil) Quarterly return on assets: -2.87% (-$1.4 mil) Return on Equity (ROE): -55.79% (-$1.7 mil) Quarterly return on equity: -45.05% (-$1.4 mil) Net income: -$2.2 mil Quarterly Net income: -$0.4 mil Pretax return on assets: -4.23% (-$2,070.0 mil) Quarterly Pretax return on assets: -2.87% (-$1,404.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$48,937Total assets
$6,327Cash and due from depository institutions
$4,252Interest-bearing balances
$1,211Securities
$0Federal funds sold & reverse repurchase agreements
$35,640Net loans & leases
$1,419Loan loss allowance
$0Trading account assets
$141Bank premises and fixed assets
$4,302Other real estate owned
$0Goodwill and other intangibles
$48,937Life insurance assets
$1,316All other assets
$46,029Total liabilities and capital
$39,003Total liabilities
$37,690Total deposits
$39,003Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,853Trading liabilities
$0Other borrowed funds
$173Subordinated debt
$2,908All other liabilities
$2,908Total equity capital
$2,908Total bank equity capital
$0Perpetual preferred stock
$148Common stock
$921Surplus
$1,839Undivided profits
Memoranda
$0Noncurrent loans and leases
$185Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,490Income earned, not collected on loans
$0Earning assets
$141Long-term assets (5+ years)
$41,103Average Assets, year-to-date
$5,932Average Assets, quarterly
$51,887Volatile liabilities
$49,213Insider loans
$31,098FHLB advances
$48,949Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,904Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,283Restructured Loans and leases
$366Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,285Total interest income
$610Total interest expense
$1,675Net interest income
$1,227Provision for loan and lease losses
-$298Total noninterest income
$0Fiduciary activities
$81Service charges on deposit accounts
$0Trading account gains & fees
-$379Additional noninterest income
$2,405Total noninterest expense
$836Salaries and employee benefits
$119Premises and equipment expense
$1,450Additional noninterest expense
-$2,255Pre-tax net operating income
$60Securities gains (losses)
$0Applicable income taxes
-$2,195Income before extraordinary items
$0Extraordinary gains - net
-$2,195Net income attributable to bank
$0Net charge-offs
-$2,195Cash dividends
$941Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.19%Yield on earning assets
1.39%Cost of funding earning assets
3.81%Net interest margin
-0.68%Noninterest income to earning assets
5.47%Noninterest expense to earning assets
-4.35%Net operating income to assets
-4.23%Return on assets (ROA)
-4.23%Pretax return on assets
-55.79%Return on equity (ROE)
-55.79%Retained earnings to average equity (YTD only)
2.34%Net charge-offs to loans
130.39%Credit loss provision to net charge-offs
-1.09%Efficiency ratio
174,655Assets per employee
3.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.83%Loss allowance to noncurrent loans
40.66%Noncurrent assets plus other real estate owned to assets
15.92%Noncurrent loans to loans
9.42%Net loans and leases to deposits
91.38%Net loans and leases to core deposits
109.02%Equity capital to assets
5.94%Core capital (leverage) ratio
5.93%Tier 1 risk-based capital ratio
9.34%Total risk-based capital ratio
Memoranda
$11Average assets
$51,887Average earning assets
$3,935Average equity
$43,995Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
45118
Columbia Savings Bank
411 Ludlow Avenue, Cincinnati, OH 45220
October 30, 1892
Full Service Brick and Mortar
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