Columbia Banking Federal Savings Association in Rochester, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 03, 1994

  • Columbia Banking Federal Savings Association in Rochester, New York (NY)
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Columbia Banking Federal Savings Association - Overview

  • General
  • FDIC Certificate #: 33610
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Keybank National Association (#6937)
    Federal Reserve ID: 988078
    Date Established: June 12, 1992
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 10027
    FDIC's unique #: 47664
    Numeric code: 38
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: June 12, 1992
    Last Structure Change Effective Date: June 03, 1994
    Last Structure Change Process Date: June 17, 1994
    Last Data Update: July 27, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 31 East Main Street, Rochester, NY 14614
    County: Monroe
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Syracuse
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Rochester, NY (#6840)
    Combined Statistical Area (CSA): Rochester-Batavia-Seneca Falls, NY (#464)
    Core Based Statistical Area (CBSA): Rochester, NY (#40380)
    CBSA Metro Statistical Area: Rochester, NY (#40380)
  • History of Changes
  • Pass Through Receivership Merger
    Corrections
    Conservatorship Institution Resolved
  • Financial Summary
  • Total assets: $646.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $324Total assets
  • $670,603Cash and due from depository institutions
  • $272,453Interest-bearing balances
  • $265,623Securities
  • $129,249Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $158,999Loan loss allowance
  • $8,384Trading account assets
  • $0Bank premises and fixed assets
  • $10,054Other real estate owned
  • $7,470Goodwill and other intangibles
  • $92,378Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $670,603Total liabilities
  • $749,204Total deposits
  • $741,285Interest-bearing deposits
  • $741,285Deposits held in domestic offices
  • 741285.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $7,919Total equity capital
  • $7,919Total bank equity capital
  • $-78,601Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $-78,601Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17,690Income earned, not collected on loans
  • $1,520Earning assets
  • $553,871Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $760,768Average Assets, quarterly
  • $683,874Volatile liabilities
  • $2,499Insider loans
  • $47FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $68,370Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $-79,637Total risk weighted assets
  • $235,058Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $33,827Total interest expense
  • $31,193Net interest income
  • $2,634Provision for loan and lease losses
  • $13,807Total noninterest income
  • $5,194Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $5,194Total noninterest expense
  • $33,620Salaries and employee benefits
  • $9,940Premises and equipment expense
  • $5,327Additional noninterest expense
  • $18,353Pre-tax net operating income
  • -$39,599Securities gains (losses)
  • $1,759Applicable income taxes
  • -$88Income before extraordinary items
  • -$37,752Extraordinary gains - net
  • $0Net income attributable to bank
  • -$37,752Net charge-offs
  • $40,790Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 5.76%Cost of funding earning assets
  • 5.31%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 0.88%Noninterest expense to earning assets
  • 5.72%Net operating income to assets
  • -5.19%Return on assets (ROA)
  • -4.96%Pretax return on assets
  • -4.97%Return on equity (ROE)
  • 63.21%Retained earnings to average equity (YTD only)
  • 63.21%Net charge-offs to loans
  • 20.07%Credit loss provision to net charge-offs
  • 33.85%Efficiency ratio
  • 429,484Assets per employee
  • 2.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.01%Loss allowance to noncurrent loans
  • 47.39%Noncurrent assets plus other real estate owned to assets
  • 3.46%Noncurrent loans to loans
  • 10.57%Net loans and leases to deposits
  • 21.45%Net loans and leases to core deposits
  • 21.52%Equity capital to assets
  • -11.72%Core capital (leverage) ratio
  • -11.74%Tier 1 risk-based capital ratio
  • -33.88%Total risk-based capital ratio
  • Memoranda
  • -$34Average assets
  • $760,768Average earning assets
  • -$59,724Average equity
  • $587,353Average loans

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