Columbia National Bank

Columbia National Bank is headquartered in Columbia and is the 493^rd largest bank in the state of Illinois. It is also the 6,531^st largest bank in the nation. It was established in 1976 and as of March of 2012, it had grown to 17 employees at 1 location. Columbia National Bank has a 4-star health rating.

Columbia National Bank Checking Account Rates

Columbia National Bank Savings Account Rates

Columbia National Bank Money Market Rates

Columbia National Bank CD Rates

Columbia National Bank IRA Rates

Data for Q1 2012

Institution Statistics Columbia National Bank FDIC Certificate # 22312 BankRate Report View Year Established 1976 Employees 17 Primary Regulator OCC Assets and Liabilities Assets $44.31 million Loans $24.46 million Deposits $39.00 million Equity Capital $5.19 million Loan Loss Allowance $275,000 Unbacked Noncurrent Loans $665,000 Real Estate Owned $486,000 Historic Data - March 2011 Assets $43.33 million Equity Capital $4.97 million Loan Loss Allowance $265,000 Unbacked Noncurrent Loans $1.25 million Real Estate Owned $189,000 Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 0.52% Return on Equity 4.33% Interest Income $400,000

Institution Health Overall Score: 4 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 March 31, 2012 Columbia National Bank had $1.15 million in non-current loans and owned real-estate with $5.46 million in equity and loan loss allowances on hand to cover it. This gives Columbia National Bank a Texas Ratio of 21.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Columbia National Bank decreased slightly from 27.54% as of March 31, 2011 to 21.06% as of March 31, 2012, resulting in a positive change of 23.52%.This indicates that the balance sheet and financial strength for Columbia National Bank has improved slightly in recent periods. Deposit Growth In the past year, Columbia National Bank has increased its total deposits by $776,000, resulting in 2.03% 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 Columbia National Bank has shown is above 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. Columbia National Bank has $44.31 million in assets with $5.46 million in equity, resulting in a capitalization level of 12.33%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.