First Columbia Bank & Trust Co.

First Columbia Bank & Trust Co. is headquartered in Bloomsburg and is the 57^th largest bank in the state of Pennsylvania. It is also the 1,054^th largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 172 employees at 13 locations. First Columbia Bank & Trust Co. has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First Columbia Bank & Trust Co. FDIC Certificate # 686 BankRate Report View Year Established 1926 Employees 172 Primary Regulator FDIC Assets and Liabilities Assets $629.08 million Loans $342.08 million Deposits $483.77 million Equity Capital $68.68 million Loan Loss Allowance $5.42 million Unbacked Noncurrent Loans $4.33 million Real Estate Owned $98,000 Historic Data - March 2011 Assets $617.60 million Equity Capital $68.58 million Loan Loss Allowance $4.86 million Unbacked Noncurrent Loans $3.12 million Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 1.17% Return on Equity 10.68% Interest Income $5.76 million

Institution Health Overall Score: 5 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 First Columbia Bank & Trust Co. had $4.42 million in non-current loans and owned real-estate with $74.1 million in equity and loan loss allowances on hand to cover it. This gives First Columbia Bank & Trust Co. a Texas Ratio of 5.97% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Columbia Bank & Trust Co. held steady from 4.24% as of March 31, 2011 to 5.97% as of March 31, 2012, resulting in a negative change of 40.64%. This indicates that the balance sheet and financial strength for First Columbia Bank & Trust Co. has held steady in recent periods. Deposit Growth In the past year, First Columbia Bank & Trust Co. has decreased its total deposits by $-52,000, resulting in -0.01% 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 First Columbia Bank & Trust Co. 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. First Columbia Bank & Trust Co. has $629.08 million in assets with $74.1 million in equity, resulting in a capitalization level of 11.78%, which is above average.

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