Columbia Savings Bank

411 Ludlow Avenue
Cincinnati, OH 45220
888-242-1449
www.columbiasavings.com

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Columbia Savings Bank will grow as an enduring community bank, based on mutually beneficial relationships. To their customers, they will be a source of fundamental banking services that enable them to attain their financial goals.

Columbia Savings Bank Routing Number: 242071088

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See Rates for: Checking | Savings | Money Market | CD | IRA

Columbia Savings Bank Checking Account Rates

	Apy	Min	Max	Product
	0.20%	$50k	-	Checking Plus

Columbia Savings Bank Savings Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	Regular Passbook Savings

Columbia Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.30%	$50k	-	Money Market Savings

Columbia Savings Bank CD Rates

Apy	Min	Max	Product
1.25%	$500	-	5 Year CD
1.05%	$500	-	4 Year CD
0.90%	$500	-	3 Year CD
0.75%	$500	-	2 Year CD
0.50%	$500	-	18 Month CD
0.50%	$500	-	18 Month Variable Rate CD
0.35%	$500	-	1 Year CD
0.25%	$500	-	6 Month CD
0.10%	$500	-	32 - 179 Day CD
0.10%	$500	-	31 Day CD

Columbia Savings Bank IRA Rates

Apy	Min	Max	Product
1.25%	$500	-	5 Year IRA
1.25%	$500	-	5 Year Roth IRA
1.25%	$500	-	5 Year CESA
1.05%	$500	-	4 Year IRA
1.05%	$500	-	4 Year Roth IRA
1.05%	$500	-	4 Year CESA
0.90%	$500	-	3 Year IRA
0.90%	$500	-	3 Year Roth IRA
0.90%	$500	-	3 Year CESA
0.75%	$500	-	2 Year IRA
0.75%	$500	-	2 Year Roth IRA
0.75%	$500	-	2 Year CESA
0.60%	$500	-	12 Month Variable Rate IRA
0.60%	$500	-	12 Month Variable Rate Roth IRA
0.60%	$500	-	12 Month Variable Rate CESA
0.50%	$500	-	18 Month IRA
0.50%	$500	-	18 Month Variable Rate IRA
0.50%	$500	-	18 Month Roth IRA
0.50%	$500	-	18 Month Variable Rate Roth IRA
0.50%	$500	-	18 Month CESA
0.50%	$500	-	18 Month Variable Rate CESA
0.35%	$500	-	1 Year IRA
0.35%	$500	-	1 Year Roth IRA
0.35%	$500	-	1 Year CESA
0.25%	$500	-	6 Month IRA
0.25%	$500	-	6 Month Roth IRA
0.25%	$500	-	6 Month CESA
0.10%	$500	-	31 Day IRA
0.10%	$500	-	32 - 179 Day IRA
0.10%	$500	-	31 Day Roth IRA
0.10%	$500	-	32 - 179 Day Roth IRA
0.10%	$500	-	31 Day CESA
0.10%	$500	-	32 - 179 Day CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Columbia Savings Bank
FDIC Certificate #	32284
BankRate Report	View
Year Established	1892
Employees	12
Primary Regulator	FDIC
Assets and Liabilities
Assets	$49.52 million
Loans	$36.77 million
Deposits	$38.89 million
Equity Capital	$3.39 million
Loan Loss Allowance	$1.24 million
Unbacked Noncurrent Loans	$3.24 million
Real Estate Owned	$4.63 million
Historic Data - September 2010
Assets	$57.12 million
Equity Capital	$4.77 million
Loan Loss Allowance	$1.08 million
Unbacked Noncurrent Loans	$5.51 million
Real Estate Owned	$5.38 million
Profit Margin - Quarterly
Net Interest Margin	3.64%
Return on Assets	-4.59%
Return on Equity	-56.18%
Interest Income	$1.68 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 September 30, 2011 Columbia Savings Bank had $7.87 million in non-current loans and owned real-estate with $4.63 million in equity and loan loss allowances on hand to cover it. This gives Columbia Savings Bank a Texas Ratio of 170.13% 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 Columbia Savings Bank held steady from 185.91% as of September 30, 2010 to 170.13% as of September 30, 2011, resulting in a positive change of 8.49%.This indicates that the balance sheet and financial strength for Columbia Savings Bank has held steady in recent periods.
Deposit Growth
In the past year, Columbia Savings Bank has decreased its total deposits by -$4.19 million, resulting in -9.72% 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 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. Columbia Savings Bank has $49.52 million in assets with $4.63 million in equity, resulting in a capitalization level of 9.34%, which is average.

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