Institution Statistics
| Columbus Savings Bank | | FDIC Certificate # | 29416 | | BankRate Report | View | | Year Established | 1913 | | Employees | 4 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $18.99 million | | Loans | $6.09 million | | Deposits | $12.12 million | | Equity Capital | $3.95 million | | Loan Loss Allowance | $8,000 |
Historic Data - March 2011 | | Assets | $21.18 million | | Equity Capital | $3.52 million | | Loan Loss Allowance | $8,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.41% | | Return on Assets | 0.45% | | Return on Equity | 2.23% | | Interest Income | $198,000 |
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Institution Health
Overall Score:
4 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 Columbus Savings Bank had $0 in non-current loans and owned real-estate with $3.96 million in equity and loan loss allowances on hand to cover it. This gives Columbus Savings Bank 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, Columbus Savings Bank has decreased its total deposits by $-908,000, resulting in -6.97% 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 Columbus 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. Columbus Savings Bank has $18.99 million in assets with $3.96 million in equity, resulting in a capitalization level of 20.83%, which is excellent. |
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