Columbia Bank in Fair Lawn, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Columbia Bank in Fair Lawn, New Jersey (NJ)
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Columbia Bank - Overview

  • General
  • FDIC Certificate #: 28834
    Status: Active
    Federal Reserve ID: 174572
    Date Established: January 01, 1926
    WWW: http://www.columbiabankonline.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 44 (Domestic: 44, Interstate: No)
    OTS Docket #: 2454
    FDIC's unique #: 41668
    Numeric code: 33
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 27, 1937
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 19-01 Route 208, Fair Lawn, NJ 7410
    County: Bergen
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Jamesburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Bergen-Passaic, NJ (#875)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $4,478.2 mil
    Equity capital: $435.1 mil
    Deposits held in domestic offices: $2,795.4 mil
    Return on assets (ROA): 0.44% ($19.7 mil)
    Quarterly return on assets: 0.36% ($16.1 mil)
    Return on Equity (ROE): 4.67% ($20.3 mil)
    Quarterly return on equity: 3.77% ($16.4 mil)
    Net income: $20.1 mil
    Quarterly Net income: $4.1 mil
    Pretax return on assets: 0.67% ($30,004.1 mil)
    Quarterly Pretax return on assets: 0.56% ($25,078.1 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
  • 541Total employees (full-time equivalent)
  • $4,478,231Total assets
  • $113,313Cash and due from depository institutions
  • $538Interest-bearing balances
  • $850,634Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $3,266,005Net loans & leases
  • $45,985Loan loss allowance
  • $0Trading account assets
  • $38,119Bank premises and fixed assets
  • $3,162Other real estate owned
  • $6,003Goodwill and other intangibles
  • $4,478,231Life insurance assets
  • $200,995All other assets
  • $4,043,044Total liabilities and capital
  • $2,795,434Total liabilities
  • $2,697,345Total deposits
  • $2,795,434Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 355000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $850,000Trading liabilities
  • $0Other borrowed funds
  • $42,610Subordinated debt
  • $435,187All other liabilities
  • $435,129Total equity capital
  • $435,129Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $77,000Surplus
  • $358,129Undivided profits
  • Memoranda
  • $58Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $79,795Income earned, not collected on loans
  • $6,120Earning assets
  • $13,266Long-term assets (5+ years)
  • $4,117,177Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $4,555,627Volatile liabilities
  • $4,530,338Insider loans
  • $2,926,028FHLB advances
  • $4,498,608Loans and leases held for sale
  • $93,620Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $466,212Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $413,869Restructured Loans and leases
  • $1,279Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $198,971Total interest income
  • $79,869Total interest expense
  • $119,102Net interest income
  • $21,223Provision for loan and lease losses
  • $13,713Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13,713Additional noninterest income
  • $84,576Total noninterest expense
  • $51,598Salaries and employee benefits
  • $14,988Premises and equipment expense
  • $17,990Additional noninterest expense
  • $27,016Pre-tax net operating income
  • $3,522Securities gains (losses)
  • $10,478Applicable income taxes
  • $20,060Income before extraordinary items
  • $0Extraordinary gains - net
  • $20,060Net income attributable to bank
  • $0Net charge-offs
  • $20,060Cash dividends
  • $19,288Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 1.93%Cost of funding earning assets
  • 2.88%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 2.05%Noninterest expense to earning assets
  • 0.39%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 4.67%Return on equity (ROE)
  • 4.67%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 110.03%Credit loss provision to net charge-offs
  • 2.50%Efficiency ratio
  • 63,680Assets per employee
  • 8.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 57.63%Noncurrent assets plus other real estate owned to assets
  • 1.85%Noncurrent loans to loans
  • 2.41%Net loans and leases to deposits
  • 116.83%Net loans and leases to core deposits
  • 118.93%Equity capital to assets
  • 9.72%Core capital (leverage) ratio
  • 10.36%Tier 1 risk-based capital ratio
  • 15.93%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $4,555,627Average earning assets
  • $429,838Average equity
  • $4,129,212Average loans

List of branches

  • 44 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041668Columbia Bank19-01 Route 208, Fair Lawn, NJ 7410January 01, 1926Full Service Brick and Mortar
    1270917Radburn Branch14-01 Plaza Road, Fair Lawn, NJ 7410October 31, 1953Full Service Brick and Mortar
    2270918River Road Branch14-01 River Road, Fair Lawn, NJ 7410March 31, 1927Full Service Brick and Mortar
    3270919Bergen Town Center Branch600 Bergen Town Center, Paramus, NJ 7652January 10, 1959Full Service Brick and Mortar
    4270920Farview Branch134 South Farview Avenue, Paramus, NJ 7652August 01, 1953Full Service Brick and Mortar
    5270921Midland Park Branch60 Godwin Avenue, Midland Park, NJ 7432October 04, 1971Full Service Brick and Mortar
    6270922Pompton Lakes Branch413 Wanaque Avenue, Pompton Lakes, NJ 7442April 13, 1942Full Service Brick and Mortar
    7270923Pompton Plains Branch543 Newark Pompton Turnpike, Pompton Plains, NJ 7444April 11, 1964Full Service Brick and Mortar
    8270924Wayne Hills Branch122 Berdan Avenue, Wayne, NJ 7470January 01, 1926Full Service Brick and Mortar
    9270925Saddle River Road Branch5-22 Saddle River Road, Fair Lawn, NJ 7410May 19, 1975Full Service Brick and Mortar
    11270927Route 17 Branch803 Route 17 South, Paramus, NJ 7652April 01, 1976Full Service Brick and Mortar
    100270928Deptford Branch1460 Clements Bridge Road, Deptford, NJ 8096January 01, 1926Full Service Brick and Mortar
    101270929Washington Township Branch407 Hurffville Crosskeys Road, Sewell, NJ 8080January 01, 1926Full Service Brick and Mortar
    103270930Voorhees Branch900 White Horse Road, Voorhees, NJ 8043June 03, 1978Full Service Brick and Mortar
    104270931Maple Shade Branch253 East Main Street, Maple Shade, NJ 8052October 02, 1979Full Service Brick and Mortar
    105270932Mount Laurel Branch99 Ramblewood Parkway At Route 73, Mount Laurel, NJ 8054Febuary 09, 1980Full Service Brick and Mortar
    10741490Linden Branch701 North Wood Avenue, Linden, NJ 7036January 01, 1921Full Service Brick and Mortar
    108270934Clark Branch1100 Raritan Road, Clark, NJ 7066December 01, 1980Full Service Brick and Mortar
    112270935Morlot Ave. Branch21-20 Morlot Avenue, Fair Lawn, NJ 7410November 01, 1981Full Service Brick and Mortar
    113270936Marlboro Branch130 Route 9, Englishtown, NJ 7726January 01, 1926Full Service Brick and Mortar
    114270937Colonia Branch800 Inman Avenue, Colonia, NJ 7067October 19, 1996Full Service Brick and Mortar
    115270938Middletown Branch1127 Route 35, Middletown, NJ 7748June 24, 1997Full Service Brick and Mortar
    116270939Woodbridge Branch604 Amboy Avenue, Woodbridge, NJ 7095November 23, 1996Full Service Brick and Mortar
    117270940West Milford Branch1501 Union Valley Road, West Milford, NJ 7480December 07, 1996Full Service Brick and Mortar
    118270941South Plainfield Branch620 Oak Tree Avenue, South Plainfield, NJ 7080Febuary 13, 1997Full Service Brick and Mortar
    119270942Old Bridge Branch2988 Route 516, Old Bridge, NJ 8857May 13, 1998Full Service Brick and Mortar
    120356904East Brunswick Branch389 Route 18 South, East Brunswick, NJ 8816September 26, 1998Full Service Brick and Mortar
    121356909Wyckoff Branch303 Franklin Avenue, Wyckoff, NJ 7481October 10, 1998Full Service Brick and Mortar
    122359228Edison Branch245 Talmadge Road, Edison, NJ 8817September 18, 1999Full Service Brick and Mortar
    123359230Kinnelon Branch300 Kakeout Road, Kinnelon, NJ 7405December 11, 1999Full Service Brick and Mortar
    124360231Cedar Grove Branch1027 Pompton Avenue, Cedar Grove, NJ 7009October 06, 2000Full Service Brick and Mortar
    125360232Aberdeen Branch1154 Highway 34, Aberdeen, NJ 7747August 26, 1999Full Service Brick and Mortar
    126441085Broadway Branch25-00 Broadway, Fair Lawn, NJ 7410November 20, 1967Full Service Brick and Mortar
    127441086Saddle Brook Branch381 Market Street, Saddle Brook, NJ 7663August 17, 2002Full Service Brick and Mortar
    128441087Ridgewood Branch60 South Broad Street, Ridgewood, NJ 7450December 06, 2003Full Service Brick and Mortar
    129441117West Deptford Branch204 Grove Avenue, West Deptford, NJ 8086Febuary 12, 2005Full Service Brick and Mortar
    130441118Raritan Center Branch60 Raritan Center Parkway, Edison, NJ 8837December 12, 2002Full Service Brick and Mortar
    131456650Pcti Branch45 Reinhardt Road, Wayne, NJ 7470August 25, 2005Limited Service Mobile
    132456651Sicklerville Branch505 Cross Keys Road, Sicklerville, NJ 8081November 17, 2005Full Service Brick and Mortar
    133456652Fairfield Branch271 Passaic Avenue, Fairfield, NJ 7004December 05, 2005Full Service Brick and Mortar
    134491902Sayreville Branch270 Main Street, Sayreville, NJ 8872August 22, 2007Full Service Brick and Mortar
    135491903Hawthorne Branch496 Lafayette Avenue, Hawthorne, NJ 7506September 26, 2007Full Service Brick and Mortar
    136491904Medford Branch133 Route 70, Medford, NJ 8055January 24, 2008Full Service Brick and Mortar
    137519378Oakland Branch413 Ramapo Valley Road, Oakland, NJ 7436March 09, 2009Full Service Brick and Mortar

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