As of December 31, 2011, the most recent notification from the Federal Deposit Insurance Corporation categorized Columbia Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed Columbia Bank’s category. The Company and its banking subsidiary’s actual capital amounts and ratios as of December 31, 2011 and 2010, are also presented in the following table.



	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provision
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
As of December 31, 2011
Total Capital (to risk-weighted assets):
The Company	$	636,559	21.05	%	$	241,955	8.0	%	N/A		N/A
Columbia Bank	$	561,216	18.55	%	$	242,028	8.0	%	$	302,535	10.0	%
Tier 1 Capital (to risk-weighted assets):
The Company	$	598,485	19.79	%	$	120,978	4.0	%	N/A		N/A
Columbia Bank	$	523,131	17.29	%	$	121,014	4.0	%	$	181,521	6.0	%
Tier 1 Capital (to average assets):
The Company	$	598,485	12.96	%	$	184,780	4.0	%	N/A		N/A
Columbia Bank	$	523,131	11.45	%	$	182,747	4.0	%	$	228,434	5.0	%
As of December 31, 2010
Total Capital (to risk-weighted assets):
The Company	$	623,526	24.47	%	$	203,871	8.0	%	N/A		N/A
Columbia Bank	$	463,587	18.20	%	$	203,789	8.0	%	$	254,736	10.0	%
Tier 1 Capital (to risk-weighted assets):
The Company	$	591,263	23.20	%	$	101,936	4.0	%	N/A		N/A
Columbia Bank	$	431,337	16.93	%	$	101,894	4.0	%	$	152,841	6.0	%
Tier 1 Capital (to average assets):
The Company	$	591,263	13.99	%	$	169,062	4.0	%	N/A		N/A
Columbia Bank	$	431,337	10.33	%	$	166,961	4.0	%	$	208,702	5.0	%