Columbia Trust Bank in Pasco, Washington (WA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 15, 2006

  • Columbia Trust Bank in Pasco, Washington (WA)
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Columbia Trust Bank - Overview

  • General
  • FDIC Certificate #: 34257
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: AmericanWest Bank (#22441)
    Federal Reserve ID: 2502610
    Date Established: October 01, 1996
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    FDIC's unique #: 57016
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 01, 1996
    Last Structure Change Effective Date: March 15, 2006
    Last Structure Change Process Date: March 27, 2006
    Last Data Update: March 27, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 3945 West Court Street, Pasco, WA 99301
    County: Franklin
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Seattle
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Richland-Kennewick-Pasco, WA (#6740)
    Core Based Statistical Area (CBSA): Kennewick-Pasco-Richland, WA (#28420)
    CBSA Metro Statistical Area: Kennewick-Pasco-Richland, WA (#28420)
  • Financial Summary
  • Total assets: $215.0 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, 2005)

  • Dollar figures in thousands
  • 69Total employees (full-time equivalent)
  • $215,042Total assets
  • $29,159Cash and due from depository institutions
  • $16,051Interest-bearing balances
  • $31,478Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $146,022Net loans & leases
  • $2,431Loan loss allowance
  • $0Trading account assets
  • $2,881Bank premises and fixed assets
  • $50Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $5,452All other assets
  • $215,042Total liabilities and capital
  • $197,632Total liabilities
  • $185,409Total deposits
  • $145,427Interest-bearing deposits
  • $185,409Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $11,000Other borrowed funds
  • $0Subordinated debt
  • $1,223All other liabilities
  • $17,410Total equity capital
  • $17,410Total bank equity capital
  • $17,410Perpetual preferred stock
  • $0Common stock
  • $358Surplus
  • $6,468Undivided profits
  • Memoranda
  • $10,584Noncurrent loans and leases
  • $47,088Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $5,891Earning assets
  • $3,003Long-term assets (5+ years)
  • $1,349Average Assets, year-to-date
  • $193,551Average Assets, quarterly
  • $18,565Volatile liabilities
  • $198,707Insider loans
  • $211,879FHLB advances
  • $47,008Loans and leases held for sale
  • $6,049Unused loan commitments
  • $11,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $47,088Total unused commitments
  • $159Restructured Loans and leases
  • $2,184Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $12,034Total interest income
  • $3,616Total interest expense
  • $8,418Net interest income
  • $415Provision for loan and lease losses
  • $779Total noninterest income
  • $0Fiduciary activities
  • $387Service charges on deposit accounts
  • $0Trading account gains & fees
  • $392Additional noninterest income
  • $6,970Total noninterest expense
  • $4,116Salaries and employee benefits
  • $619Premises and equipment expense
  • $2,235Additional noninterest expense
  • $1,812Pre-tax net operating income
  • -$7Securities gains (losses)
  • $566Applicable income taxes
  • $1,239Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,239Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $450Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.64%Yield on earning assets
  • 1.99%Cost of funding earning assets
  • 4.64%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.85%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 7.32%Return on equity (ROE)
  • 7.32%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 92.22%Credit loss provision to net charge-offs
  • 4.95%Efficiency ratio
  • 75,786Assets per employee
  • 3.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 41.27%Noncurrent assets plus other real estate owned to assets
  • 2.76%Noncurrent loans to loans
  • 3.97%Net loans and leases to deposits
  • 78.76%Net loans and leases to core deposits
  • 104.75%Equity capital to assets
  • 8.10%Core capital (leverage) ratio
  • 8.26%Tier 1 risk-based capital ratio
  • 10.14%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $198,707Average earning assets
  • $16,933Average equity
  • $181,260Average loans

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