First Columbia Bank & Trust Co. in city_name, state_name - Detailed Financial Reports, Location

First Columbia Bank & Trust Co. in Bloomsburg, Pennsylvania (PA)
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First Columbia Bank & Trust Co. routing number info

First Columbia Bank & Trust Co. - Overview

General
FDIC Certificate #: 686
Status: Active
Federal Reserve ID: 881012
Bank Holding Company (Regulatory Top Holder): Ccfnb Bancorp, Inc. (RSSDID: 1118283, Location: Bloomsburg, PA)
Date Established: Febuary 01, 1926
WWW: http://www.firstcolumbiabank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 13 (Domestic: 13, Interstate: No)
OTS Docket #: 11521
FDIC's unique #: 447
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: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 02, 2008
Last Structure Change Process Date: December 02, 2009
Last Data Update: December 02, 2009
Data Source Date: April 05, 2012
Location
Address: 232 East Street, Bloomsburg, PA 17815
County: Columbia
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Scranton--Wilkes-Barre--Hazleton, PA (#7560)
Core Based Statistical Area (CBSA): Bloomsburg-Berwick, PA (#14100)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $622.7 mil
Equity capital: $67.8 mil
Deposits held in domestic offices: $483.1 mil
Return on assets (ROA): 1.13% ($7.0 mil)
Quarterly return on assets: 1.14% ($7.1 mil)
Return on Equity (ROE): 9.99% ($6.8 mil)
Quarterly return on equity: 10.20% ($6.9 mil)
Net income: $6.9 mil
Quarterly Net income: $1.8 mil
Pretax return on assets: 1.52% ($9,464.9 mil)
Quarterly Pretax return on assets: 1.53% ($9,527.2 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
175Total employees (full-time equivalent)
$622,694Total assets
$36,288Cash and due from depository institutions
$26,925Interest-bearing balances
$194,503Securities
$1,846Federal funds sold & reverse repurchase agreements
$345,455Net loans & leases
$5,383Loan loss allowance
$0Trading account assets
$11,740Bank premises and fixed assets
$3Other real estate owned
$10,274Goodwill and other intangibles
$622,694Life insurance assets
$22,585All other assets
$554,873Total liabilities and capital
$483,102Total liabilities
$461,709Total deposits
$483,102Interest-bearing deposits
$94Deposits held in domestic offices
58288.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,118Trading liabilities
$0Other borrowed funds
$7,365Subordinated debt
$67,821All other liabilities
$67,821Total equity capital
$67,821Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$43,626Surplus
$23,195Undivided profits
Memoranda
$0Noncurrent loans and leases
$5,164Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,483Income earned, not collected on loans
$0Earning assets
$1,328Long-term assets (5+ years)
$568,729Average Assets, year-to-date
$215,858Average Assets, quarterly
$614,618Volatile liabilities
$623,245Insider loans
$349,982FHLB advances
$607,832Loans and leases held for sale
$14,413Unused loan commitments
$7,973Tier 1 (core) risk-based capital
$55,869Tier 2 risk-based capital
$0Total risk weighted assets
$6,440Total unused commitments
$66,151Restructured Loans and leases
$14,262Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$24,456Total interest income
$5,032Total interest expense
$19,424Net interest income
$820Provision for loan and lease losses
$6,439Total noninterest income
$771Fiduciary activities
$1,619Service charges on deposit accounts
$0Trading account gains & fees
$4,049Additional noninterest income
$15,688Total noninterest expense
$8,214Salaries and employee benefits
$2,316Premises and equipment expense
$5,158Additional noninterest expense
$9,355Pre-tax net operating income
$0Securities gains (losses)
$2,418Applicable income taxes
$6,937Income before extraordinary items
$0Extraordinary gains - net
$6,937Net income attributable to bank
$0Net charge-offs
$6,937Cash dividends
$238Sale, conversion, retirement of capital stock, net
$2,755Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.35%Yield on earning assets
0.89%Cost of funding earning assets
3.45%Net interest margin
1.15%Noninterest income to earning assets
2.79%Noninterest expense to earning assets
1.13%Net operating income to assets
1.13%Return on assets (ROA)
1.52%Pretax return on assets
9.99%Return on equity (ROE)
6.02%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
344.54%Credit loss provision to net charge-offs
42.75%Efficiency ratio
58,516Assets per employee
3.56%Cash dividends to net income (YTD only)
Condition Ratios (%)
39.71%Loss allowance to loans
1.53%Loss allowance to noncurrent loans
120.08%Noncurrent assets plus other real estate owned to assets
0.72%Noncurrent loans to loans
1.28%Net loans and leases to deposits
71.51%Net loans and leases to core deposits
72.62%Equity capital to assets
10.89%Core capital (leverage) ratio
9.19%Tier 1 risk-based capital ratio
15.96%Total risk-based capital ratio
Memoranda
$17Average assets
$614,618Average earning assets
$69,469Average equity
$562,268Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$88,787Managed Assets
1Number of Accounts
$85,973Personal trust and agency accounts
$34,002Employee benefit-defined contribution accounts
$2,119Employee benefit-defined benefit accounts
$6,119Other retirement accounts
$586Corporate trust and agency accounts
$16,297Investment management agency accounts
$12,093Other fiduciary accounts
$14,757Fiduciary accounts held in foreign offices
$0Non-managed Assets
221Number of Accounts
$0Personal trust and agency accounts
$586Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$2,814Other retirement accounts
$62Corporate trust and agency accounts
$1,720Other fiduciary accounts
$601Fiduciary accounts held in foreign offices

List of branches

13 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	447	First Columbia Bank & Trust Co.	232 East Street, Bloomsburg, PA 17815	Febuary 01, 1926	Full Service Brick and Mortar
1	184336	Bloomsburg Market Street Office	1010 South Market Street, Bloomsburg, PA 17815	March 19, 1964	Full Service Brick and Mortar
2	184337	Catawissa Office	347 Main Street, Catawissa, PA 17820	June 08, 1967	Full Service Brick and Mortar
8	184343	Buckhorn Office	279 Columbia Mall Drive, Hemlock Township, PA 17815	August 25, 1998	Full Service Brick and Mortar
10	429666	Elysburg Office	119 Northumberland Drive, Ralpho Township, Elysburg, PA 17824	July 12, 2004	Full Service Brick and Mortar
15	275232	Scott Township Office	2691 Columbia Blvd, Route 11, Bloomsburg, PA 17815	June 30, 1989	Full Service Brick and Mortar
17	216223	Benton Office	200 Market Street, Benton, PA 17814	January 16, 1956	Full Service Brick and Mortar
19	216226	Orangeville Office	402 Main Street, Orangeville, PA 17859	September 18, 1985	Full Service Brick and Mortar
20	216227	Millville Office	125 South State Street, Millville, PA 17846	November 12, 1990	Full Service Brick and Mortar
21	216228	Lightstreet Office	1199 Lightstreet Road, Bloomsburg, PA 17815	December 10, 1990	Full Service Brick and Mortar
22	433205	Buckhorn Wm Office	Wal-Mart Supercenter, 100 Lunger Drive, Bloomsburg, PA 17815	October 27, 2004	Full Service Brick and Mortar
23	455814	Berwick Front Street Office	1919 West Front Street, Berwick, PA 18603	October 12, 2006	Full Service Brick and Mortar
24	505900	Berwick Market Street Office	300 Market Street, Berwick, PA 18603	January 28, 2010	Full Service Brick and Mortar

First Columbia Bank & Trust Co. in Bloomsburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Columbia Bank & Trust Co. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First Columbia Bank & Trust Co. in Bloomsburg, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Columbia Bank & Trust Co. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First Columbia Bank & Trust Co. in Bloomsburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches