The Columbia Bank

Report generated from DepositInsuredBanks.com
DepositInsuredBanks.com


Overview

FDIC Cert 27244
Address
7168 Columbia Gateway Drive, Columbia, MD 21046
FDIC Unique Number 39185
Federal Reserve ID 1189993
Federal Reserve ID for Bank Holding Company 1117129
OCC Charter Number 0
OTS Docket Number 9634
MSA Baltimore, MD
County Howard
Website http://www.thecolumbiabank.com
Established On 05/12/1988
Insured On 05/12/1988
Holding Company Fulton Financial Corporation
Regulator Federal Deposit Insurance Corporation
Asset Concentration Commercial Lending Specialization
Ownership Type
Domestic Offices 32
Foreign Offices
Bank Charter Class NM - Commercial bank, state charter and Fed nonmember, supervised by the FDIC

Recent Changes

Financial Snapshot

USD, Thousands
Total Assets 2,085,760
Total Deposits 1,661,938
Domestic Deposits 1,661,938
Bank Equity Capital 305,256
Year to Date Quarterly
Net Income USD, 000 13,887 5,296
Return on Assets 0.88% 1.02%
Return on Equity 6.15% 7%
Pre-Tax Return on Assets 1.17% 1.34%
as of 09/30/2015

Financial Health

As of 09/30/2015
Low Risk

The Texas ratio is a measure of a bank's credit troubles. It is a way to measure how risky a bank is. The higher the Texas ratio, the more severe the credit troubles. Any bank with a TX Ratio near or greater than 100% is considered at risk. Developed by Gerard Cassidy and others at RBC Capital Markets, it is calculated by dividing the value of the lender's non-performing assets (Non performing loans + Real Estate Owned) by the sum of its tangible common equity capital and loan loss reserves.

The Columbia Bank has a texas ratio of 4.63 which puts it at low risk. As of 09/30/2015 the bank had $14,667 Non Current Loans and Leases, $362 Other Real Estate Owned, $305,256 Total Equity Capital and $19,197 Loan Loss Allowance.

Historical Texas Ratios

Date Non Current Loans and Leases Other Real Estate Owned Total Equity Capital Loan Loss Allowance TX Ratio
09/30/2015 $14,667 $362 $305,256 $19,197 4.63
06/30/2015 $13,950 $743 $300,329 $20,427 4.58
03/31/2015 $14,656 $1,127 $300,753 $22,209 4.89
12/31/2014 $12,223 $907 $297,753 $21,620 4.11
09/30/2014 $14,854 $1,457 $295,627 $19,525 5.18
06/30/2014 $13,309 $1,337 $296,326 $20,859 4.62
03/31/2014 $12,256 $980 $293,141 $21,470 4.21
12/31/2013 $16,702 $651 $306,074 $22,369 5.28
09/30/2013 $15,893 $1,421 $327,443 $23,496 4.93
06/30/2013 $17,432 $1,564 $329,219 $24,063 5.38
03/31/2013 $16,777 $1,755 $336,518 $24,259 5.14
12/31/2012 $18,435 $1,915 $335,340 $24,242 5.66
09/30/2012 $29,956 $3,441 $338,657 $26,182 9.15
06/30/2012 $36,647 $3,597 $338,937 $28,811 10.94
03/31/2012 $42,894 $4,298 $335,192 $31,339 12.88
12/31/2011 $43,133 $4,345 $332,948 $28,390 13.14
09/30/2011 $37,594 $4,140 $334,870 $32,592 11.36
06/30/2011 $38,262 $5,221 $333,129 $34,979 11.81
03/31/2011 $37,962 $5,576 $326,750 $36,274 11.99
12/31/2010 $50,045 $4,833 $323,799 $43,710 14.93
09/30/2010 $57,021 $1,704 $325,847 $49,615 15.64
06/30/2010 $53,484 $2,176 $322,264 $53,787 14.8
03/31/2010 $52,175 $1,378 $315,372 $50,659 14.63
12/31/2009 $56,961 $1,924 $319,080 $51,814 15.88
09/30/2009 $67,861 $405 $307,616 $54,226 18.87
06/30/2009 $48,580 $244 $246,544 $46,439 16.66
03/31/2009 $57,335 $244 $242,846 $39,015 20.43

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Assets and Liabilities

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total employees (full-time equivalent) 244 249 253 268 269 Chart
Total Assets 2,085,760 2,078,569 2,129,616 2,091,215 2,042,011 Chart
Cash & Balances due from depository institutions 31,602 34,969 53,070 35,397 40,402 Chart
Interest-bearing balances 7,792 4,795 26,249 7,837 13,520 Chart
Securities 411,507 430,222 424,199 422,816 445,955 Chart
Federal funds sold and reverse repurchase 4,077 11,860 70,692 49,130 0 Chart
Net loans and leases 1,441,999 1,406,999 1,385,082 1,386,081 1,363,797 Chart
Loan loss allowance 19,197 20,427 22,209 21,620 19,525 Chart
Trading account assets 4,660 2,020 3,186 2,242 1,099 Chart
Bank premises and fixed assets 13,863 14,291 14,738 14,891 15,031 Chart
Other real estate owned 362 743 1,127 907 1,457 Chart
Goodwill and other intangibles 119,017 118,997 118,901 118,899 118,956 Chart
All other assets 58,673 58,468 58,621 60,852 55,314 Chart
Total Liabilities and Capital 2,085,760 2,078,568 2,129,617 2,091,214 2,042,011 Chart
Total Liabilities 1,780,504 1,778,239 1,828,864 1,793,461 1,746,384 Chart
Total deposits 1,661,938 1,654,102 1,676,246 1,642,628 1,599,953 Chart
Interest-bearing deposits 1,107,896 1,086,384 1,086,655 1,079,920 1,049,807 Chart
Deposits held in domestic offices 1,661,938 1,654,102 1,676,246 1,642,628 1,599,953 Chart
% insured (estimated) 78% 79% 79% 75% 75% Chart
Federal funds purchased and repurchase agreements 15,632 23,083 19,956 23,546 26,444 Chart
Trading liabilities 4,660 2,020 3,186 2,242 1,099 Chart
Other borrowed funds 77,562 78,882 110,089 105,196 104,612 Chart
Subordinated debt 0 0 0 0 0 Chart
All other liabilities 20,712 20,152 19,387 19,849 14,276 Chart
Total equity capital 305,256 300,329 300,753 297,753 295,627 Chart
Bank equity capital 305,256 300,329 300,753 297,753 295,627 Chart
Perpetual preferred stock 0 0 0 0 0 Chart
Common stock 6,568 6,568 6,568 6,568 6,568 Chart
Surplus 279,916 279,916 279,916 279,916 279,916 Chart
Undivided profits 18,772 13,845 14,269 11,269 9,143 Chart
Equity, minor interest in consolidated subs 0 0 0 0 0 Chart
Memoranda
Noncurrent loans and leases 14,667 13,950 14,656 12,223 14,854 Chart
Noncurrent loans which are wholly or partially guaranteed by the U.S. 0 0 0 0 0 Chart
Income earned, not collected on loans 4,872 4,751 4,969 4,841 4,905 Chart
Earning assets 1,865,375 1,853,876 1,906,222 1,865,864 1,823,272 Chart
Long-term assets (5+ years) 768,903 767,254 775,724 755,973 750,058 Chart
Average total assets 2,096,290 2,099,800 2,110,416 2,025,733 2,009,362 Chart
Average assets, quarterly 2,082,164 2,104,092 2,110,416 2,066,613 2,040,258 Chart
Total risk weighted assets adjusted 1,564,464 1,542,937 1,489,465 1,499,172 1,467,941 Chart
Adjusted average assets for leverage capital purposes 1,979,521 1,988,554 1,991,417 1,954,652 1,927,560 Chart
Life insurance assets 14,621 14,494 14,373 14,246 14,120 Chart
General account life insurance assets 14,621 14,494 14,373 14,246 14,120 Chart
Separate account life insurance assets 0 0 0 0 0 Chart
Hybrid life insurance assets 0 0 0 0 0 Chart
Volatile liabilities 135,688 143,946 178,663 181,508 184,930 Chart
Insider loans 12,188 12,403 14,583 19,206 19,342 Chart
FHLB advances 61,000 61,000 71,000 76,000 76,000 Chart
Loans and leases held for sale 3,154 5,312 8,122 4,084 2,929 Chart
Unused loan commitments 523,101 509,703 444,546 472,886 474,834 Chart
Tier one (core) capital 191,512 188,214 186,370 184,331 183,914 Chart
Tier 2 Risk-based capital 19,443 19,304 18,666 18,778 18,366 Chart
Total unused commitments 523,101 509,703 444,546 472,886 474,834 Chart
Derivatives 190,029 143,919 144,230 116,628 108,433 Chart

Income and Expenses

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total interest income 49,707 32,974 16,485 67,579 50,784 Chart
Total interest expense 4,612 3,058 1,518 5,303 3,842 Chart
Net interest income 45,095 29,916 14,967 62,276 46,942 Chart
Provision for loan and lease losses -2,875 -1,554 -41 3,051 1,071 Chart
Total noninterest income 12,850 8,427 3,966 15,854 11,867 Chart
Gross Fiduciary activities income 0 0 0 0 0 Chart
Service charges on deposit accounts 4,014 2,617 1,233 5,031 3,719 Chart
Trading account gains and fees 437 107 29 616 616 Chart
Additional Noninterest Income 8,399 5,703 2,704 10,207 7,532 Chart
Total noninterest expense 42,385 28,414 13,972 54,816 40,840 Chart
Salaries and employee benefits 12,220 8,290 4,271 16,830 12,655 Chart
Premises and equipment expense 5,692 3,929 2,093 7,835 5,964 Chart
Additional noninterest expense 24,473 16,195 7,608 30,151 22,221 Chart
Pre-tax net operating income 18,435 11,483 5,002 20,263 16,898 Chart
Securities gains (losses) 0 0 0 -24 -41 Chart
Applicable income taxes 4,548 2,892 1,256 4,210 3,834 Chart
Income before extraordinary items 13,887 8,591 3,746 16,029 13,023 Chart
Extraordinary gains, net 0 0 0 0 0 Chart
Net income 13,887 8,591 3,746 16,029 13,023 Chart
Minority interest net income 0 0 0 0 0 Chart
Net income of bank and minority interests 13,887 8,591 3,746 16,029 13,023 Chart
Net charge-offs -452 -361 -629 3,799 3,914 Chart
Cash dividends 8,000 6,000 3,000 30,500 28,000 Chart
Sale, conversion, retirement of capital stock, net 0 0 0 0 0 Chart
Net operating income 13,887 8,591 3,746 16,048 13,055 Chart

Securities

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
Total securities 411,507 430,222 424,199 422,816 445,955 Chart
U.S. Government securities 388,748 407,530 401,583 400,378 420,676 Chart
U.S. Treasury securities 0 0 0 0 0 Chart
U.S. Government agency obligations 388,748 407,530 401,583 400,378 420,676 Chart
Securities issued by states & political subdivisions 5,591 5,637 5,693 5,707 7,989 Chart
Other domestic debt securities 17,168 17,055 16,923 16,731 17,290 Chart
Privately issued residential mortgage-backed securities 0 0 0 0 0 Chart
Commercial mortgage-backed securities - Total 0 0 0 0 0 Chart
Asset backed securities 2,918 2,941 2,951 2,941 2,948 Chart
Structured financial products - Total 0 0 0 0 0 Chart
Other domestic debt securities - All other 14,250 14,114 13,972 13,790 14,342 Chart
Foreign debt securities 0 0 0 0 0 Chart
Equity securities 0 0 0 0 0 Chart
Assets held in trading accounts for TFR Reporters 0 0 0 0 0 Chart
General valuation allowances for securities for TFR Reporters 0 0 0 0 0 Chart
Memoranda
Pledged securities 164,308 154,314 156,980 163,283 161,751 Chart
Mortgage-backed securities 388,748 407,530 401,583 400,378 420,676 Chart
Certificates of participation in pools of residential mortgages 235,857 246,375 229,287 221,777 229,858 Chart
Issued or guaranteed by U.S. 235,857 246,375 229,287 221,777 229,858 Chart
Privately issued 0 0 0 0 0 Chart
Collaterized mortgage obligations 152,891 161,155 172,296 178,601 190,818 Chart
CMOs issued by government agencies or sponsored agencies 152,891 161,155 172,296 178,601 190,818 Chart
Privately issued 0 0 0 0 0 Chart
Commercial mortgage-backed securities 0 0 0 0 0 Chart
Commercial mortgage pass-through securities 0 0 0 0 0 Chart
Other commercial mortgage-backed securities 0 0 0 0 0 Chart
Held to maturity securities (book value) 0 0 0 0 0 Chart
Available-for-sale securities (fair market value) 411,507 430,222 424,199 422,816 445,955 Chart
Total debt securities 411,507 430,223 424,199 422,818 445,954 Chart
Structured Notes
Amortized cost 0 0 0 0 0 Chart
Fair value 0 0 0 0 0 Chart
Trading account assets 4,660 2,020 3,186 2,242 1,099 Chart
Revaluation gains on off-balance sheet contracts 4,660 2,020 3,186 2,242 1,099 Chart
Revaluation losses on off-balance sheet contracts 4,660 2,020 3,186 2,242 1,099 Chart

Performance and Condition Ratios

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
% of unprofitable institutions N/A N/A N/A N/A N/A Chart
% of insitutions with earnings gains N/A N/A N/A N/A N/A Chart
Performance Ratios (%, annualized)
Yield on earning assets 3.54% 3.52% 3.50% 3.75% 3.80% Chart
Cost of funding earning assets 0.33% 0.33% 0.32% 0.29% 0.29% Chart
Net interest margin 3.21% 3.19% 3.17% 3.46% 3.51% Chart
Noninterest income to average assets 0.82% 0.80% 0.75% 0.78% 0.79% Chart
Noninterest expense to average assets 2.70% 2.71% 2.65% 2.71% 2.71% Chart
Loan and lease loss provision to assets -0.18% -0.15% -0.01% 0.15% 0.07% Chart
Net operating income to assets 0.88% 0.82% 0.71% 0.79% 0.87% Chart
Return on assets (ROA) 0.88% 0.82% 0.71% 0.79% 0.86% Chart
Pretax return on assets 1.17% 1.09% 0.95% 1.00% 1.12% Chart
Return on Equity (ROE) 6.15% 5.73% 5.01% 5.38% 5.83% Chart
Retained earnings to average equity (YTD only) 2.61% 1.73% 1.00% -4.86% -6.71% Chart
Net charge-offs to loans -0.04% -0.05% -0.18% 0.28% 0.39% Chart
Credit loss provision to net charge-offs 636.06% 430.47% 6.52% 80.31% 27.36% Chart
Earnings coverage of net charge-offs (x) 0.00% 0.00% 0.00% 6.14% 4.59% Chart
Efficiency ratio 73.10% 74.04% 73.67% 69.83% 69.12% Chart
Assets per employee ($millions) 8.55% 8.35% 8.42% 7.80% 7.59% Chart
Cash dividends to net income (YTD only) 57.61% 69.84% 80.09% 190.28% 215.00% Chart
Condition Ratios (%)
Loss allowance to loans 1.31% 1.43% 1.58% 1.54% 1.41% Chart
Loan loss allowance to noncurrent loans 130.89% 146.43% 151.54% 176.88% 131.45% Chart
Noncurrent assets plus other real estate owned to assets 0.72% 0.71% 0.74% 0.63% 0.80% Chart
Noncurrent loans to loans 1.00% 0.98% 1.04% 0.87% 1.07% Chart
Net loans and leases to total assets 69.14% 67.69% 65.04% 66.28% 66.79% Chart
Net loans and leases to deposits 86.77% 85.06% 82.63% 84.38% 85.24% Chart
Net loans and leases to core deposits 91.03% 89.25% 86.99% 89.18% 90.29% Chart
Total domestic deposits to total assets 79.68% 79.58% 78.71% 78.55% 78.35% Chart
Equity capital to assets 14.64% 14.45% 14.12% 14.24% 14.48% Chart
Core capital (leverage) ratio 9.67% 9.46% 9.36% 9.43% 9.54% Chart
Tier 1 risk-based capital ratio 12.24% 12.20% 12.51% 12.30% 12.53% Chart
Total risk-based capital ratio 13.48% 13.45% 13.77% 13.55% 13.78% Chart
Memoranda
Average total assets 2,096,290 2,099,800 2,110,416 2,025,733 2,009,362 Chart
Average earning assets 1,872,834 1,875,321 1,886,043 1,799,940 1,783,458 Chart
Average equity 301,023 299,612 299,253 297,784 297,792 Chart
Average loans 1,425,904 1,414,139 1,407,496 1,365,743 1,355,254 Chart