Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10). A current level of 3.1 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.6 and a capital leverage ratio of 8.3. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.8) profitability.
Asset Mix:
Comm re (21%), securities (17%), comm loans (12%), home mtgs (12%), cash (4%), home eq lns (4%), consumer loans (0%), other (30%)
States with Branches:
CA, ID, NV, OR, UT, WA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Columbia Banking System, Inc.
Investment Rating
--
Address
One SW Columbia Street
Portland, OR 97204
Portland, OR 97204
Phone Number
(866) 486-7782
Year Founded
1953
FDIC Number
Website
Largest Affiliates
No affiliate information available.
