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

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
    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
  • NoIDNameAddressEstablishedService TypeMap
    05588Bank Of Columbia144 Public Square, Columbia, KY 42728January 01, 1866Full Service Brick and Mortar
    1218923Merchant Street Drive-In Branch112 East Merchant Street, Columbia, KY 42728September 03, 1968Limited Service Facility
    2218924Jamestown Street Branch807 Jamestown Street, Columbia, KY 42728January 15, 1981Full Service Brick and Mortar

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of Columbia.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents