Colonial Bank, FSB

Colonial Bank, FSB is headquartered in Vineland and is the 39^th largest bank in the state of New Jersey. It is also the 1,041^st largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 100 employees at 9 locations. Colonial Bank, FSB's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Colonial Bank, FSB Routing Number: 231270405

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Data for Q1 2012

Institution Statistics Colonial Bank, FSB OTS # 04983 FDIC Certificate # 30218 BankRate Report View Year Established 1913 Employees 100 Primary Regulator OCC Assets and Liabilities Assets $637.44 million Loans $294.29 million Deposits $564.97 million Equity Capital $67.93 million Loan Loss Allowance $2.87 million Unbacked Noncurrent Loans $5.07 million Real Estate Owned $3.23 million Historic Data - March 2011 Assets $599.59 million Equity Capital $64.34 million Loan Loss Allowance $2.55 million Unbacked Noncurrent Loans $9.20 million Real Estate Owned $1.03 million Profit Margin - Quarterly Net Interest Margin 2.84% Return on Assets 0.2% Return on Equity 1.84% Interest Income $5.61 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 Colonial Bank, FSB had $8.3 million in non-current loans and owned real-estate with $70.79 million in equity and loan loss allowances on hand to cover it. This gives Colonial Bank, FSB a Texas Ratio of 11.72% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Colonial Bank, FSB decreased slightly from 15.30% as of March 31, 2011 to 11.72% as of March 31, 2012, resulting in a positive change of 23.40%.This indicates that the balance sheet and financial strength for Colonial Bank, FSB has improved slightly in recent periods. Deposit Growth In the past year, Colonial Bank, FSB has increased its total deposits by $40.67 million, resulting in 7.76% 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 Colonial Bank, FSB has shown is excellent. 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. Colonial Bank, FSB has $637.44 million in assets with $70.79 million in equity, resulting in a capitalization level of 11.11%, which is above average.

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