Columbia Savings and Loan Association

Columbia Savings and Loan Association is headquartered in Milwaukee and is the 267^th largest bank in the state of Wisconsin. It is also the 7,103^rd largest bank in the nation. It was established in 1924 and as of March of 2012, it had grown to 6 employees at 1 location. Columbia Savings and Loan Association has a 3-star health rating.

Data for Q1 2012

Institution Statistics Columbia Savings and Loan Association OTS # 01672 FDIC Certificate # 28480 BankRate Report View Year Established 1924 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $23.59 million Loans $18.18 million Deposits $20.98 million Equity Capital $2.56 million Loan Loss Allowance $235,000 Unbacked Noncurrent Loans $1.69 million Real Estate Owned $491,000 Historic Data - March 2011 Assets $22.97 million Equity Capital $2.70 million Loan Loss Allowance $222,000 Unbacked Noncurrent Loans $1.50 million Real Estate Owned $493,000 Profit Margin - Quarterly Net Interest Margin 5.15% Return on Assets -0.03% Return on Equity -0.31% Interest Income $305,000

Institution Health Overall Score: 3 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 Columbia Savings and Loan Association had $2.18 million in non-current loans and owned real-estate with $2.8 million in equity and loan loss allowances on hand to cover it. This gives Columbia Savings and Loan Association a Texas Ratio of 77.97% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Columbia Savings and Loan Association held steady from 68.22% as of March 31, 2011 to 77.97% as of March 31, 2012, resulting in a negative change of 14.29%. This indicates that the balance sheet and financial strength for Columbia Savings and Loan Association has held steady in recent periods. Deposit Growth In the past year, Columbia Savings and Loan Association has increased its total deposits by $819,000, resulting in 4.06% 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 Columbia Savings and Loan Association has shown is above 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. Columbia Savings and Loan Association has $23.59 million in assets with $2.8 million in equity, resulting in a capitalization level of 11.85%, which is above average.

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