The Columbia Bank in Columbia, Maryland (MD)

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The Columbia Bank routing number info

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The Columbia Bank
GeneralFDIC Certificate #: 27244
Status: Active
Federal Reserve ID: 1189993
Bank Holding Company (Regulatory Top Holder): Fulton Financial Corporation (RSSDID: 1117129, Location: Lancaster, PA)
Date Established: May 12, 1988
WWW: http://www.thecolumbiabank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 41 (Domestic: 41, Interstate: No)
OTS Docket #: 9634
FDIC's unique #: 39185
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: Commercial Lending Specialization
Date of Deposit Insurance: May 12, 1988
Last Structure Change Effective Date: September 22, 2011
Last Structure Change Process Date: October 27, 2011
Last Data Update: October 27, 2011
Data Source Date: April 05, 2012
LocationAddress: 7168 Columbia Gateway Drive, Columbia, MD 21046
County: Howard
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Baltimore
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Baltimore, MD (#720)
Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
Core Based Statistical Area (CBSA): Baltimore-Towson, MD (#12580)
CBSA Metro Statistical Area: Baltimore-Towson, MD (#12580)
History of ChangesChange in Location
Financial SummaryTotal assets: $1,999.5 mil
Equity capital: $332.9 mil
Deposits held in domestic offices: $1,528.6 mil
Return on assets (ROA): 0.75% ($15.0 mil)
Quarterly return on assets: 0.47% ($9.4 mil)
Return on Equity (ROE): 4.69% ($15.6 mil)
Quarterly return on equity: 2.82% ($9.4 mil)
Net income: $15.5 mil
Quarterly Net income: $2.4 mil
Pretax return on assets: 0.95% ($18,995.4 mil)
Quarterly Pretax return on assets: 0.56% ($11,197.3 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)323
Total assets$1,999,518
Cash and due from depository institutions$31,656
Interest-bearing balances$2,168
Securities$416,162
Federal funds sold & reverse repurchase agreements$65,985
Net loans & leases$1,247,181
Loan loss allowance $28,390
Trading account assets$0
Bank premises and fixed assets$15,078
Other real estate owned$4,345
Goodwill and other intangibles$119,591
All other assets$99,520
Life insurance assets$1,999,518
Total liabilities and capital$1,666,570
Total liabilities$1,528,648
Total deposits$1,087,433
Interest-bearing deposits$1,528,648
Deposits held in domestic offices$92
% insured (estimated)42980.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$78,632
Other borrowed funds $0
Subordinated debt $16,310
All other liabilities $332,948
Total equity capital$332,948
Total bank equity capital$332,948
Perpetual preferred stock$0
Common stock$6,568
Surplus$279,933
Undivided profits $46,447
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,353
Income earned, not collected on loans $43,133
Earning assets $0
Long-term assets (5+ years) $6,114
Average Assets, year-to-date $1,731,496
Average Assets, quarterly $411,573
Volatile liabilities $2,054,583
Insider loans $2,020,286
FHLB advances $1,418,481
Loans and leases held for sale $1,897,942
Unused loan commitments $14,833
Tier 1 (core) risk-based capital $14,833
Tier 2 risk-based capital $201,564
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $467,524
Derivatives$11,263
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $80,840
Total interest expense $10,423
Net interest income $70,417
Provision for loan and lease losses $12,712
Total noninterest income $16,242
Fiduciary activities $0
Service charges on deposit accounts $5,496
Trading account gains & fees $0
Additional noninterest income $10,746
Total noninterest expense $55,721
Salaries and employee benefits $19,501
Premises and equipment expense $8,259
Additional noninterest expense $27,961
Pre-tax net operating income $18,226
Securities gains (losses) $1,371
Applicable income taxes $4,114
Income before extraordinary items $15,483
Extraordinary gains - net $0
Net income attributable to bank $15,483
Net charge-offs $0
Cash dividends $15,483
Sale, conversion, retirement of capital stock, net $28,032
Net operating income $6,600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.48%
Cost of funding earning assets 0.58%
Net interest margin 3.91%
Noninterest income to earning assets 0.90%
Noninterest expense to earning assets 3.09%
Net operating income to assets 0.70%
Return on assets (ROA) 0.75%
Pretax return on assets 0.95%
Return on equity (ROE) 4.69%
Retained earnings to average equity (YTD only) 2.69%
Net charge-offs to loans 2.16%
Credit loss provision to net charge-offs 45.35%
Efficiency ratio1.10%
Assets per employee$62,753
Cash dividends to net income (YTD only)6.19%
Condition Ratios (%)
Loss allowance to loans 42.63%
Loss allowance to noncurrent loans 2.23%
Noncurrent assets plus other real estate owned to assets 65.82%
Noncurrent loans to loans 2.37%
Net loans and leases to deposits3.38%
Net loans and leases to core deposits 81.59%
Equity capital to assets 86.96%
Core capital (leverage) ratio 16.65%
Tier 1 risk-based capital ratio 10.62%
Total risk-based capital ratio 14.21%
Memoranda
Average assets$15
Average earning assets$2,054,583
Average equity $330,299
Average loans $1,802,950
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40 Maryland Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
039185The Columbia Bank7168 Columbia Gateway Drive, Columbia, MD 21046May 12, 1988Full Service Brick and Mortar
3261442Harpers Choice Branch5485 Harpers Farm Rd, Columbia, MD 21044May 02, 1990Full Service Brick and Mortar
4261443Vantage House Branch5400 Vantage Point Rd, Columbia, MD 21044April 09, 1991Limited Service Mobile
541584Ellicott City Branch9151 Baltimore National Pike, Ellicott City, MD 21042January 01, 1916Full Service Brick and Mortar
9261444Roland Park Place Branch830 West 49th St, Baltimore, MD 21211March 09, 1992Full Service Brick and Mortar
10261445Blakehurst Branch1055 West Joppa Rd, Towson, MD 21204October 05, 1993Full Service Brick and Mortar
11261446Oakland Mills Branch5865 Robert Oliver Place, Columbia, MD 21045Febuary 05, 1994Full Service Brick and Mortar
12261447Cross Keys Branch5100 Falls Road, Suite 96, Baltimore, MD 21210December 05, 1995Full Service Brick and Mortar
14261449Heaver Plaza Branch1301 York Road, Lutherville Timonium, MD 21093March 06, 1996Full Service Brick and Mortar
15261450Long Gate Branch4450 Long Gate Parkway, Ellicott City, MD 21043March 18, 1997Full Service Brick and Mortar
16261451Wilde Lake Branch10451 Twin Rivers Road, Columbia, MD 21044June 19, 1997Full Service Brick and Mortar
18261452River Hill Branch6030 Daybreak Circle, Clarksville, MD 21029December 01, 1997Full Service Brick and Mortar
19261453Edenwald Branch800 Southerly Rd, Towson, MD 21286December 15, 1998Full Service Brick and Mortar
20261454Fairground Plaza Branch67 W. Aylesbury Road, Lutherville Timonium, MD 21093January 21, 2000Full Service Brick and Mortar
2116218Greenbelt Branch7505 Greenway Center Drive, Greenbelt, MD 20770July 07, 1980Full Service Brick and Mortar
23255964Capitol Heights Branch8703 Central Avenue, Capitol Heights, MD 20743November 03, 1986Full Service Brick and Mortar
24255965Rockville Branch1903 Research Blvd, Rockville, MD 20850April 16, 1990Full Service Brick and Mortar
25255966Clinton Branch7600 Old Branch Avenue, Clinton, MD 20735November 30, 1995Full Service Brick and Mortar
26255967Bethesda Branch7900 Wisconsin Avenue, Bethesda, MD 20814October 21, 1996Full Service Brick and Mortar
27255968Federal Plaza Branch12266 Rockville Pike, Rockville, MD 20852January 12, 1998Full Service Brick and Mortar
29363794Bowie Branch4201 Northview Drive, Bowie, MD 20716May 22, 2002Full Service Brick and Mortar
30419788West Friendship Branch12800 Maryland Route 144, West Friendship, MD 21794September 16, 2002Full Service Brick and Mortar
31451789Columbia Town Center Branch10480 Little Patuxent Parkway, Columbia, MD 21044June 11, 2003Full Service Brick and Mortar
32453325Gateway Plaza Branch7185 Columbia Gateway Drive, Columbia, MD 21046January 17, 2006Full Service Brick and Mortar
34462267Thomas Johnson Branch175 Thomas Johnson Drive, Frederick, MD 21702January 22, 2007Full Service Brick and Mortar
36476107Arundel Preserve Branch7692 Dorchester Road, Hanover, MD 21076April 21, 2008Full Service Brick and Mortar
37485635Westview Corner Branch5202 Presidents Court, Frederick, MD 21703January 19, 2009Full Service Brick and Mortar
386206Downtown Elkton Branch130 North Street, Elkton, MD 21921January 01, 1923Full Service Brick and Mortar
39220893Elkton Crossings Branch975 East Pulaski Highway, Elkton, MD 21921July 26, 1976Full Service Brick and Mortar
401265Downtown Hagerstown Branch83 West Washington Street, Hagerstown, MD 21740October 07, 1933Full Service Brick and Mortar
41190400South Potomac Branch900 South Potomac Street, Hagerstown, MD 21740May 29, 1962Full Service Brick and Mortar
42190403West Side Branch830 West Franklin Street, Hagerstown, MD 21740July 10, 1974Full Service Brick and Mortar
43190404Virginia Avenue Branch17803 Virginia Avenue, Hagerstown, MD 21740July 23, 1975Full Service Brick and Mortar
44190405Maugans Avenue Branch18201 Maugans Avenue, Hagerstown, MD 21740November 08, 1976Full Service Brick and Mortar
451030Boonsboro Branch207 North Main Street, Boonsboro, MD 21713April 06, 1901Full Service Brick and Mortar
46190407Dual Highway Branch1640 Dual Highway, Hagerstown, MD 21740December 03, 1981Full Service Brick and Mortar
47190408Homewood Retirement Center Branch16505 Virginia Avenue, Williamsport, MD 21795January 16, 1984Limited Service Mobile
48204408Long Meadow Branch1585 Potomac Avenue, Hagerstown, MD 21742April 16, 1958Full Service Brick and Mortar
49190409Wesel Boulevard Branch1571 Wesel Boulevard, Hagerstown, MD 21740June 21, 1995Full Service Brick and Mortar
50190410Smithsburg Branch22413 Jefferson Boulevard, Smithsburg, MD 21783April 04, 1996Full Service Brick and Mortar
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