The Columbia Bank in Columbia, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Columbia Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 323Total employees (full-time equivalent)
  • $1,999,518Total assets
  • $31,656Cash and due from depository institutions
  • $2,168Interest-bearing balances
  • $416,162Securities
  • $65,985Federal funds sold & reverse repurchase agreements
  • $1,247,181Net loans & leases
  • $28,390Loan loss allowance
  • $0Trading account assets
  • $15,078Bank premises and fixed assets
  • $4,345Other real estate owned
  • $119,591Goodwill and other intangibles
  • $1,999,518Life insurance assets
  • $99,520All other assets
  • $1,666,570Total liabilities and capital
  • $1,528,648Total liabilities
  • $1,087,433Total deposits
  • $1,528,648Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 42980.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $78,632Trading liabilities
  • $0Other borrowed funds
  • $16,310Subordinated debt
  • $332,948All other liabilities
  • $332,948Total equity capital
  • $332,948Total bank equity capital
  • $0Perpetual preferred stock
  • $6,568Common stock
  • $279,933Surplus
  • $46,447Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,353Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $43,133Income earned, not collected on loans
  • $0Earning assets
  • $6,114Long-term assets (5+ years)
  • $1,731,496Average Assets, year-to-date
  • $411,573Average Assets, quarterly
  • $2,054,583Volatile liabilities
  • $2,020,286Insider loans
  • $1,418,481FHLB advances
  • $1,897,942Loans and leases held for sale
  • $14,833Unused loan commitments
  • $14,833Tier 1 (core) risk-based capital
  • $201,564Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $467,524Restructured Loans and leases
  • $11,263Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $80,840Total interest income
  • $10,423Total interest expense
  • $70,417Net interest income
  • $12,712Provision for loan and lease losses
  • $16,242Total noninterest income
  • $0Fiduciary activities
  • $5,496Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10,746Additional noninterest income
  • $55,721Total noninterest expense
  • $19,501Salaries and employee benefits
  • $8,259Premises and equipment expense
  • $27,961Additional noninterest expense
  • $18,226Pre-tax net operating income
  • $1,371Securities gains (losses)
  • $4,114Applicable income taxes
  • $15,483Income before extraordinary items
  • $0Extraordinary gains - net
  • $15,483Net income attributable to bank
  • $0Net charge-offs
  • $15,483Cash dividends
  • $28,032Sale, conversion, retirement of capital stock, net
  • $6,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.48%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 3.09%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 4.69%Return on equity (ROE)
  • 2.69%Retained earnings to average equity (YTD only)
  • 2.16%Net charge-offs to loans
  • 45.35%Credit loss provision to net charge-offs
  • 1.10%Efficiency ratio
  • 62,753Assets per employee
  • 6.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.63%Loss allowance to loans
  • 2.23%Loss allowance to noncurrent loans
  • 65.82%Noncurrent assets plus other real estate owned to assets
  • 2.37%Noncurrent loans to loans
  • 3.38%Net loans and leases to deposits
  • 81.59%Net loans and leases to core deposits
  • 86.96%Equity capital to assets
  • 16.65%Core capital (leverage) ratio
  • 10.62%Tier 1 risk-based capital ratio
  • 14.21%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $2,054,583Average earning assets
  • $330,299Average equity
  • $1,802,950Average loans

List of branches

  • 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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