Columbia Savings Bank in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


Columbia Savings Bank - Overview

  • General
  • FDIC Certificate #: 32284
    Status: Active
    Federal Reserve ID: 28572
    Bank Holding Company (Regulatory Top Holder): Columbia Bancorp, Inc (RSSDID: 3187247, Location: Cincinnati, OH)
    Date Established: October 30, 1892
    WWW: http://www.columbiasavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 8092
    FDIC's unique #: 45118
    Numeric code: 41
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: December 31, 1985
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 411 Ludlow Avenue, Cincinnati, OH 45220
    County: Hamilton
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $48.9 mil
    Equity capital: $2.9 mil
    Deposits held in domestic offices: $39.0 mil
    Return on assets (ROA): -4.23% (-$2.1 mil)
    Quarterly return on assets: -2.87% (-$1.4 mil)
    Return on Equity (ROE): -55.79% (-$1.7 mil)
    Quarterly return on equity: -45.05% (-$1.4 mil)
    Net income: -$2.2 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -4.23% (-$2,070.0 mil)
    Quarterly Pretax return on assets: -2.87% (-$1,404.5 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
  • 13Total employees (full-time equivalent)
  • $48,937Total assets
  • $6,327Cash and due from depository institutions
  • $4,252Interest-bearing balances
  • $1,211Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $35,640Net loans & leases
  • $1,419Loan loss allowance
  • $0Trading account assets
  • $141Bank premises and fixed assets
  • $4,302Other real estate owned
  • $0Goodwill and other intangibles
  • $48,937Life insurance assets
  • $1,316All other assets
  • $46,029Total liabilities and capital
  • $39,003Total liabilities
  • $37,690Total deposits
  • $39,003Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,853Trading liabilities
  • $0Other borrowed funds
  • $173Subordinated debt
  • $2,908All other liabilities
  • $2,908Total equity capital
  • $2,908Total bank equity capital
  • $0Perpetual preferred stock
  • $148Common stock
  • $921Surplus
  • $1,839Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $185Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,490Income earned, not collected on loans
  • $0Earning assets
  • $141Long-term assets (5+ years)
  • $41,103Average Assets, year-to-date
  • $5,932Average Assets, quarterly
  • $51,887Volatile liabilities
  • $49,213Insider loans
  • $31,098FHLB advances
  • $48,949Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,904Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,283Restructured Loans and leases
  • $366Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,285Total interest income
  • $610Total interest expense
  • $1,675Net interest income
  • $1,227Provision for loan and lease losses
  • -$298Total noninterest income
  • $0Fiduciary activities
  • $81Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$379Additional noninterest income
  • $2,405Total noninterest expense
  • $836Salaries and employee benefits
  • $119Premises and equipment expense
  • $1,450Additional noninterest expense
  • -$2,255Pre-tax net operating income
  • $60Securities gains (losses)
  • $0Applicable income taxes
  • -$2,195Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,195Net income attributable to bank
  • $0Net charge-offs
  • -$2,195Cash dividends
  • $941Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 3.81%Net interest margin
  • -0.68%Noninterest income to earning assets
  • 5.47%Noninterest expense to earning assets
  • -4.35%Net operating income to assets
  • -4.23%Return on assets (ROA)
  • -4.23%Pretax return on assets
  • -55.79%Return on equity (ROE)
  • -55.79%Retained earnings to average equity (YTD only)
  • 2.34%Net charge-offs to loans
  • 130.39%Credit loss provision to net charge-offs
  • -1.09%Efficiency ratio
  • 174,655Assets per employee
  • 3.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.83%Loss allowance to noncurrent loans
  • 40.66%Noncurrent assets plus other real estate owned to assets
  • 15.92%Noncurrent loans to loans
  • 9.42%Net loans and leases to deposits
  • 91.38%Net loans and leases to core deposits
  • 109.02%Equity capital to assets
  • 5.94%Core capital (leverage) ratio
  • 5.93%Tier 1 risk-based capital ratio
  • 9.34%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $51,887Average earning assets
  • $3,935Average equity
  • $43,995Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045118Columbia Savings Bank411 Ludlow Avenue, Cincinnati, OH 45220October 30, 1892Full Service Brick and Mortar

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