Colombo Bank

Colombo Bank is headquartered in Rockville and is the 63^rd largest bank in the state of Maryland. It is also the 3,885^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 47 employees at 4 locations. Colombo Bank has a 1-star health rating.

Colombo Bank Routing Number: 252070561

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Data for Q1 2012

Institution Statistics Colombo Bank OTS # 08575 FDIC Certificate # 32654 BankRate Report View Year Established 1914 Employees 47 Primary Regulator OCC Assets and Liabilities Assets $149.19 million Loans $77.90 million Deposits $108.61 million Equity Capital $8.97 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $8.35 million Real Estate Owned $3.04 million Historic Data - March 2011 Assets $156.09 million Equity Capital $9.09 million Loan Loss Allowance $2.81 million Unbacked Noncurrent Loans $10.52 million Real Estate Owned $1.93 million Profit Margin - Quarterly Net Interest Margin 2.92% Return on Assets -0.35% Return on Equity -5.7% Interest Income $1.55 million

Institution Health Overall Score: 1 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 Colombo Bank had $11.38 million in non-current loans and owned real-estate with $11.17 million in equity and loan loss allowances on hand to cover it. This gives Colombo Bank a Texas Ratio of 101.87% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Colombo Bank held steady from 106.02% as of March 31, 2011 to 101.87% as of March 31, 2012, resulting in a positive change of 3.91%.This indicates that the balance sheet and financial strength for Colombo Bank has held steady in recent periods. Deposit Growth In the past year, Colombo Bank has decreased its total deposits by -$7.31 million, resulting in -6.3% 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 Colombo Bank has shown is poor. 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. Colombo Bank has $149.19 million in assets with $11.17 million in equity, resulting in a capitalization level of 7.49%, which is below average.

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