Collinsville Building and Loan Association

Collinsville Building and Loan Association is headquartered in Collinsville and is the 289^th largest bank in the state of Illinois. It is also the 4,230^th largest bank in the nation. It was established in 1885 and as of March of 2012, it had grown to 14 employees at 2 locations. Collinsville Building and Loan Association has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Collinsville Building and Loan Association OTS # 00904 FDIC Certificate # 28103 BankRate Report View Year Established 1885 Employees 14 Primary Regulator OCC Assets and Liabilities Assets $130.73 million Loans $89.68 million Deposits $100.32 million Equity Capital $30.02 million Loan Loss Allowance $754,000 Historic Data - March 2011 Assets $131.82 million Equity Capital $29.12 million Loan Loss Allowance $726,000 Unbacked Noncurrent Loans $112,000 Profit Margin - Quarterly Net Interest Margin 2.56% Return on Assets 0.78% Return on Equity 3.4% Interest Income $1.16 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 Collinsville Building and Loan Association had $0 in non-current loans and owned real-estate with $30.77 million in equity and loan loss allowances on hand to cover it. This gives Collinsville Building and Loan Association a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Collinsville Building and Loan Association has decreased its total deposits by -$1.99 million, resulting in -1.95% 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 Collinsville Building and Loan Association has shown is below 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. Collinsville Building and Loan Association has $130.73 million in assets with $30.77 million in equity, resulting in a capitalization level of 23.54%, which is excellent.

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