First Columbia Bank & Trust Co. in Bloomsburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


First Columbia Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 686
    Status: Active
    Federal Reserve ID: 881012
    Bank Holding Company (Regulatory Top Holder): Ccfnb Bancorp, Inc. (RSSDID: 1118283, Location: Bloomsburg, PA)
    Date Established: Febuary 01, 1926
    WWW: http://www.firstcolumbiabank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 11521
    FDIC's unique #: 447
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 02, 2008
    Last Structure Change Process Date: December 02, 2009
    Last Data Update: December 02, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 232 East Street, Bloomsburg, PA 17815
    County: Columbia
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Scranton--Wilkes-Barre--Hazleton, PA (#7560)
    Core Based Statistical Area (CBSA): Bloomsburg-Berwick, PA (#14100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $622.7 mil
    Equity capital: $67.8 mil
    Deposits held in domestic offices: $483.1 mil
    Return on assets (ROA): 1.13% ($7.0 mil)
    Quarterly return on assets: 1.14% ($7.1 mil)
    Return on Equity (ROE): 9.99% ($6.8 mil)
    Quarterly return on equity: 10.20% ($6.9 mil)
    Net income: $6.9 mil
    Quarterly Net income: $1.8 mil
    Pretax return on assets: 1.52% ($9,464.9 mil)
    Quarterly Pretax return on assets: 1.53% ($9,527.2 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
  • 175Total employees (full-time equivalent)
  • $622,694Total assets
  • $36,288Cash and due from depository institutions
  • $26,925Interest-bearing balances
  • $194,503Securities
  • $1,846Federal funds sold & reverse repurchase agreements
  • $345,455Net loans & leases
  • $5,383Loan loss allowance
  • $0Trading account assets
  • $11,740Bank premises and fixed assets
  • $3Other real estate owned
  • $10,274Goodwill and other intangibles
  • $622,694Life insurance assets
  • $22,585All other assets
  • $554,873Total liabilities and capital
  • $483,102Total liabilities
  • $461,709Total deposits
  • $483,102Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 58288.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,118Trading liabilities
  • $0Other borrowed funds
  • $7,365Subordinated debt
  • $67,821All other liabilities
  • $67,821Total equity capital
  • $67,821Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $43,626Surplus
  • $23,195Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,164Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,483Income earned, not collected on loans
  • $0Earning assets
  • $1,328Long-term assets (5+ years)
  • $568,729Average Assets, year-to-date
  • $215,858Average Assets, quarterly
  • $614,618Volatile liabilities
  • $623,245Insider loans
  • $349,982FHLB advances
  • $607,832Loans and leases held for sale
  • $14,413Unused loan commitments
  • $7,973Tier 1 (core) risk-based capital
  • $55,869Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,440Total unused commitments
  • $66,151Restructured Loans and leases
  • $14,262Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,456Total interest income
  • $5,032Total interest expense
  • $19,424Net interest income
  • $820Provision for loan and lease losses
  • $6,439Total noninterest income
  • $771Fiduciary activities
  • $1,619Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,049Additional noninterest income
  • $15,688Total noninterest expense
  • $8,214Salaries and employee benefits
  • $2,316Premises and equipment expense
  • $5,158Additional noninterest expense
  • $9,355Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,418Applicable income taxes
  • $6,937Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,937Net income attributable to bank
  • $0Net charge-offs
  • $6,937Cash dividends
  • $238Sale, conversion, retirement of capital stock, net
  • $2,755Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.35%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 3.45%Net interest margin
  • 1.15%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.52%Pretax return on assets
  • 9.99%Return on equity (ROE)
  • 6.02%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 344.54%Credit loss provision to net charge-offs
  • 42.75%Efficiency ratio
  • 58,516Assets per employee
  • 3.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.71%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 120.08%Noncurrent assets plus other real estate owned to assets
  • 0.72%Noncurrent loans to loans
  • 1.28%Net loans and leases to deposits
  • 71.51%Net loans and leases to core deposits
  • 72.62%Equity capital to assets
  • 10.89%Core capital (leverage) ratio
  • 9.19%Tier 1 risk-based capital ratio
  • 15.96%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $614,618Average earning assets
  • $69,469Average equity
  • $562,268Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $88,787Managed Assets
  • 1Number of Accounts
  • $85,973Personal trust and agency accounts
  • $34,002Employee benefit-defined contribution accounts
  • $2,119Employee benefit-defined benefit accounts
  • $6,119Other retirement accounts
  • $586Corporate trust and agency accounts
  • $16,297Investment management agency accounts
  • $12,093Other fiduciary accounts
  • $14,757Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 221Number of Accounts
  • $0Personal trust and agency accounts
  • $586Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,814Other retirement accounts
  • $62Corporate trust and agency accounts
  • $1,720Other fiduciary accounts
  • $601Fiduciary accounts held in foreign offices

List of branches

  • 13 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0447First Columbia Bank & Trust Co.232 East Street, Bloomsburg, PA 17815Febuary 01, 1926Full Service Brick and Mortar
    1184336Bloomsburg Market Street Office1010 South Market Street, Bloomsburg, PA 17815March 19, 1964Full Service Brick and Mortar
    2184337Catawissa Office347 Main Street, Catawissa, PA 17820June 08, 1967Full Service Brick and Mortar
    8184343Buckhorn Office279 Columbia Mall Drive, Hemlock Township, PA 17815August 25, 1998Full Service Brick and Mortar
    10429666Elysburg Office119 Northumberland Drive, Ralpho Township, Elysburg, PA 17824July 12, 2004Full Service Brick and Mortar
    15275232Scott Township Office2691 Columbia Blvd, Route 11, Bloomsburg, PA 17815June 30, 1989Full Service Brick and Mortar
    17216223Benton Office200 Market Street, Benton, PA 17814January 16, 1956Full Service Brick and Mortar
    19216226Orangeville Office402 Main Street, Orangeville, PA 17859September 18, 1985Full Service Brick and Mortar
    20216227Millville Office125 South State Street, Millville, PA 17846November 12, 1990Full Service Brick and Mortar
    21216228Lightstreet Office1199 Lightstreet Road, Bloomsburg, PA 17815December 10, 1990Full Service Brick and Mortar
    22433205Buckhorn Wm OfficeWal-Mart Supercenter, 100 Lunger Drive, Bloomsburg, PA 17815October 27, 2004Full Service Brick and Mortar
    23455814Berwick Front Street Office1919 West Front Street, Berwick, PA 18603October 12, 2006Full Service Brick and Mortar
    24505900Berwick Market Street Office300 Market Street, Berwick, PA 18603January 28, 2010Full Service Brick and Mortar

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