FDIC Certificate #: 34257 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:AmericanWest Bank (#22441) Federal Reserve ID: 2502610 Date Established: October 01, 1996 WWW:http://www.columbiatrustbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) FDIC's unique #: 57016 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: October 01, 1996 Last Structure Change Effective Date: March 15, 2006 Last Structure Change Process Date: March 27, 2006 Last Data Update: March 27, 2006 Data Source Date: April 05, 2012
Location
Address: 3945 West Court Street, Pasco, WA 99301 County: Franklin Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Seattle Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Richland-Kennewick-Pasco, WA (#6740) Core Based Statistical Area (CBSA): Kennewick-Pasco-Richland, WA (#28420) CBSA Metro Statistical Area: Kennewick-Pasco-Richland, WA (#28420)
Financial Summary
Total assets: $215.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
69Total employees (full-time equivalent)
$215,042Total assets
$29,159Cash and due from depository institutions
$16,051Interest-bearing balances
$31,478Securities
$0Federal funds sold & reverse repurchase agreements
$146,022Net loans & leases
$2,431Loan loss allowance
$0Trading account assets
$2,881Bank premises and fixed assets
$50Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$5,452All other assets
$215,042Total liabilities and capital
$197,632Total liabilities
$185,409Total deposits
$145,427Interest-bearing deposits
$185,409Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$11,000Other borrowed funds
$0Subordinated debt
$1,223All other liabilities
$17,410Total equity capital
$17,410Total bank equity capital
$17,410Perpetual preferred stock
$0Common stock
$358Surplus
$6,468Undivided profits
Memoranda
$10,584Noncurrent loans and leases
$47,088Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$5,891Earning assets
$3,003Long-term assets (5+ years)
$1,349Average Assets, year-to-date
$193,551Average Assets, quarterly
$18,565Volatile liabilities
$198,707Insider loans
$211,879FHLB advances
$47,008Loans and leases held for sale
$6,049Unused loan commitments
$11,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$47,088Total unused commitments
$159Restructured Loans and leases
$2,184Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$12,034Total interest income
$3,616Total interest expense
$8,418Net interest income
$415Provision for loan and lease losses
$779Total noninterest income
$0Fiduciary activities
$387Service charges on deposit accounts
$0Trading account gains & fees
$392Additional noninterest income
$6,970Total noninterest expense
$4,116Salaries and employee benefits
$619Premises and equipment expense
$2,235Additional noninterest expense
$1,812Pre-tax net operating income
-$7Securities gains (losses)
$566Applicable income taxes
$1,239Income before extraordinary items
$0Extraordinary gains - net
$1,239Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$450Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.64%Yield on earning assets
1.99%Cost of funding earning assets
4.64%Net interest margin
0.43%Noninterest income to earning assets
3.85%Noninterest expense to earning assets
0.63%Net operating income to assets
0.62%Return on assets (ROA)
0.91%Pretax return on assets
7.32%Return on equity (ROE)
7.32%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
92.22%Credit loss provision to net charge-offs
4.95%Efficiency ratio
75,786Assets per employee
3.12%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.64%Loss allowance to noncurrent loans
41.27%Noncurrent assets plus other real estate owned to assets
2.76%Noncurrent loans to loans
3.97%Net loans and leases to deposits
78.76%Net loans and leases to core deposits
104.75%Equity capital to assets
8.10%Core capital (leverage) ratio
8.26%Tier 1 risk-based capital ratio
10.14%Total risk-based capital ratio
Memoranda
$11Average assets
$198,707Average earning assets
$16,933Average equity
$181,260Average loans
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