Bank of Columbia

Bank of Columbia is headquartered in Columbia and is the 110^st largest bank in the state of Kentucky. It is also the 4,203^rd largest bank in the nation. It was established in 1866 and as of December of 2011, it had grown to 38 employees at 3 locations. Bank of Columbia has a 3-star health rating.

Bank of Columbia Routing Number: 083903098

Data for Q4 2011

Institution Statistics Bank of Columbia FDIC Certificate # 8775 BankRate Report View Year Established 1866 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $130.65 million Loans $99.53 million Deposits $114.44 million Equity Capital $12.52 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $4.00 million Real Estate Owned $539,000 Historic Data - December 2010 Assets $130.38 million Equity Capital $11.64 million Loan Loss Allowance $1.19 million Unbacked Noncurrent Loans $1.49 million Real Estate Owned $606,000 Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 1.46% Return on Equity 16.13% Interest Income $7.11 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Columbia had $4.54 million in non-current loans and owned real-estate with $14.32 million in equity and loan loss allowances on hand to cover it. This gives Bank of Columbia a Texas Ratio of 31.72% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Columbia increased slightly from 16.29% as of December 31, 2010 to 31.72% as of December 31, 2011, resulting in a negative change of 94.68%. This indicates that the balance sheet and financial strength for Bank of Columbia has declined slightly in recent periods. Deposit Growth In the past year, Bank of Columbia has increased its total deposits by $613,000, resulting in 0.54% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Columbia has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Columbia has $130.65 million in assets with $14.32 million in equity, resulting in a capitalization level of 10.96%, which is above average.

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