Columbia Bank in Lake City, Florida (FL)

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Columbia Bank
GeneralFDIC Certificate #: 5677
Status: Active
Federal Reserve ID: 216632
Bank Holding Company (Regulatory Top Holder): First Columbia Bancorp, Inc. (RSSDID: 3058516, Location: Lake City, FL)
Date Established: January 01, 1912
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 3863
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: July 01, 2006
Last Structure Change Process Date: July 12, 2006
Last Data Update: July 12, 2006
Data Source Date: April 05, 2012
LocationAddress: 173 Northwest Hillsboro Street, Lake City, FL 32055
County: Columbia
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Gainesville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Lake City, FL (#29380)
CBSA Micro Statistical Area: Yes
History of ChangesName Change
Financial SummaryTotal assets: $219.3 mil
Equity capital: $19.9 mil
Deposits held in domestic offices: $170.7 mil
Return on assets (ROA): -3.80% (-$8.3 mil)
Quarterly return on assets: -8.95% (-$19.6 mil)
Return on Equity (ROE): -42.78% (-$8.6 mil)
Quarterly return on equity: -100.21% (-$20.0 mil)
Net income: -$8.6 mil
Quarterly Net income: -$5.0 mil
Pretax return on assets: -3.80% (-$8,331.5 mil)
Quarterly Pretax return on assets: -8.95% (-$19,622.9 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)
Total employees (full-time equivalent)56
Total assets$219,250
Cash and due from depository institutions$5,507
Interest-bearing balances$337
Federal funds sold & reverse repurchase agreements$3,500
Net loans & leases$140,625
Loan loss allowance $6,390
Trading account assets$0
Bank premises and fixed assets$4,943
Other real estate owned$4,956
Goodwill and other intangibles$0
All other assets$2,473
Life insurance assets$219,250
Total liabilities and capital$199,310
Total liabilities$170,658
Total deposits$153,979
Interest-bearing deposits$170,658
Deposits held in domestic offices$91
% insured (estimated)17004.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,000
Other borrowed funds $0
Subordinated debt $1,648
All other liabilities $19,940
Total equity capital$19,940
Total bank equity capital$19,940
Perpetual preferred stock$0
Common stock$400
Undivided profits $2,685
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $28,128
Earning assets $0
Long-term assets (5+ years) $721
Average Assets, year-to-date $201,708
Average Assets, quarterly $92,738
Volatile liabilities $227,608
Insider loans $224,036
FHLB advances $149,593
Loans and leases held for sale $227,121
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $19,191
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,424
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,812
Total interest expense $2,579
Net interest income $7,233
Provision for loan and lease losses $7,620
Total noninterest income $517
Fiduciary activities $0
Service charges on deposit accounts $358
Trading account gains & fees $0
Additional noninterest income $159
Total noninterest expense $8,881
Salaries and employee benefits $3,635
Premises and equipment expense $846
Additional noninterest expense $4,400
Pre-tax net operating income -$8,751
Securities gains (losses) $110
Applicable income taxes $0
Income before extraordinary items -$8,641
Extraordinary gains - net $0
Net income attributable to bank -$8,641
Net charge-offs $0
Cash dividends -$8,641
Sale, conversion, retirement of capital stock, net $5,575
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.60%
Cost of funding earning assets 1.21%
Net interest margin 3.39%
Noninterest income to earning assets 0.24%
Noninterest expense to earning assets 4.16%
Net operating income to assets -3.84%
Return on assets (ROA) -3.80%
Pretax return on assets -3.80%
Return on equity (ROE) -42.78%
Retained earnings to average equity (YTD only) -42.78%
Net charge-offs to loans 3.53%
Credit loss provision to net charge-offs 136.68%
Efficiency ratio-0.20%
Assets per employee$114,594
Cash dividends to net income (YTD only)3.92%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 4.35%
Noncurrent assets plus other real estate owned to assets 22.72%
Noncurrent loans to loans 15.09%
Net loans and leases to deposits19.13%
Net loans and leases to core deposits 82.40%
Equity capital to assets 88.01%
Core capital (leverage) ratio 9.09%
Tier 1 risk-based capital ratio 8.45%
Total risk-based capital ratio 12.83%
Average assets$14
Average earning assets$227,608
Average equity $20,201
Average loans $213,424
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4 Florida Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03863Columbia Bank173 Northwest Hillsboro Street, Lake City, FL 32055January 01, 1912Full Service Brick and Mortar
3207993Westside Office1720 West U.S. Highway 90, Lake City, FL 32055December 12, 1989Full Service Brick and Mortar
4362569South Office514 Sthy 47, Lake City, FL 32025September 17, 2001Full Service Brick and Mortar
5419068Turner Road Office4785 Sthy 90, Lake City, FL 32055March 03, 2003Full Service Brick and Mortar
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