First Columbia Bank & Trust Co. in Bloomsburg, Pennsylvania (PA)



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First Columbia Bank & Trust Co. routing number info

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First Columbia Bank & Trust Co.
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)175
Total assets$622,694
Cash and due from depository institutions$36,288
Interest-bearing balances$26,925
Securities$194,503
Federal funds sold & reverse repurchase agreements$1,846
Net loans & leases$345,455
Loan loss allowance $5,383
Trading account assets$0
Bank premises and fixed assets$11,740
Other real estate owned$3
Goodwill and other intangibles$10,274
All other assets$22,585
Life insurance assets$622,694
Total liabilities and capital$554,873
Total liabilities$483,102
Total deposits$461,709
Interest-bearing deposits$483,102
Deposits held in domestic offices$94
% insured (estimated)58288.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,118
Other borrowed funds $0
Subordinated debt $7,365
All other liabilities $67,821
Total equity capital$67,821
Total bank equity capital$67,821
Perpetual preferred stock$0
Common stock$1,000
Surplus$43,626
Undivided profits $23,195
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $5,164
Income earned, not collected on loans $4,483
Earning assets $0
Long-term assets (5+ years) $1,328
Average Assets, year-to-date $568,729
Average Assets, quarterly $215,858
Volatile liabilities $614,618
Insider loans $623,245
FHLB advances $349,982
Loans and leases held for sale $607,832
Unused loan commitments $14,413
Tier 1 (core) risk-based capital $7,973
Tier 2 risk-based capital $55,869
Total risk weighted assets $0
Total unused commitments $6,440
Restructured Loans and leases $66,151
Derivatives$14,262
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $24,456
Total interest expense $5,032
Net interest income $19,424
Provision for loan and lease losses $820
Total noninterest income $6,439
Fiduciary activities $771
Service charges on deposit accounts $1,619
Trading account gains & fees $0
Additional noninterest income $4,049
Total noninterest expense $15,688
Salaries and employee benefits $8,214
Premises and equipment expense $2,316
Additional noninterest expense $5,158
Pre-tax net operating income $9,355
Securities gains (losses) $0
Applicable income taxes $2,418
Income before extraordinary items $6,937
Extraordinary gains - net $0
Net income attributable to bank $6,937
Net charge-offs $0
Cash dividends $6,937
Sale, conversion, retirement of capital stock, net $238
Net operating income $2,755
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.35%
Cost of funding earning assets 0.89%
Net interest margin 3.45%
Noninterest income to earning assets 1.15%
Noninterest expense to earning assets 2.79%
Net operating income to assets 1.13%
Return on assets (ROA) 1.13%
Pretax return on assets 1.52%
Return on equity (ROE) 9.99%
Retained earnings to average equity (YTD only) 6.02%
Net charge-offs to loans 0.07%
Credit loss provision to net charge-offs 344.54%
Efficiency ratio42.75%
Assets per employee$58,516
Cash dividends to net income (YTD only)3.56%
Condition Ratios (%)
Loss allowance to loans 39.71%
Loss allowance to noncurrent loans 1.53%
Noncurrent assets plus other real estate owned to assets 120.08%
Noncurrent loans to loans 0.72%
Net loans and leases to deposits1.28%
Net loans and leases to core deposits 71.51%
Equity capital to assets 72.62%
Core capital (leverage) ratio 10.89%
Tier 1 risk-based capital ratio 9.19%
Total risk-based capital ratio 15.96%
Memoranda
Average assets$17
Average earning assets$614,618
Average equity $69,469
Average loans $562,268
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$88,787
Number of Accounts1
Personal trust and agency accounts$85,973
Employee benefit-defined contribution accounts$34,002
Employee benefit-defined benefit accounts$2,119
Other retirement accounts$6,119
Corporate trust and agency accounts$586
Investment management agency accounts$16,297
Other fiduciary accounts$12,093
Fiduciary accounts held in foreign offices$14,757
Non-managed Assets$0
Number of Accounts221
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$586
Employee benefit-defined benefit accounts$0
Other retirement accounts$2,814
Corporate trust and agency accounts$62
Other fiduciary accounts$1,720
Fiduciary accounts held in foreign offices$601
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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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