| BauerFinancial, Inc., Coral Gables, FL 33134 1.800.388.6686 www.bauerfinancial.com |
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| Public Funds
Bank Report Sample |
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| This report
was compiled from data for the period noted, as reported to federal
regulators. The data obtained from these sources is consistently reliable,
although; the accuracy and completeness of the data cannot be guaranteed by
BauerFinancial, Inc. |
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| BauerFinancial
relies upon this data in its judgment and in rendering its opinion (e.g.
determination of star ratings) as well as supplying the data fields
incorporated herein. BauerFinancial, Inc. is not a financial advisor; it is
an independent bank research firm. |
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| Report
generated on xx/xx/xxxx based on financial data as of 3/31/2011 - amounts in
millions (i.e. 1.234 = $1 million, 234 thousand) |
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| Data herein is
intended for the recipient's use; it may not be re-published in any form. All
rights reserved by BauerFinancial, Inc. PO Box 143520, Coral Gables, FL 33134 |
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| Definitions: |
Star Rating - BauerFinancial's Proprietary Star
Rating based on a Zero to 5-Star scale. (5=Superior, 4=Excellent, 3½=Good,
3=Adequate, 2 and below on problem list) |
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Leverage Capital Ratio - Tier 1 capital
(generally stock + retained earnings) as a percent of Tangible Assets
(generally the quarterly average balance of assets less goodwill) |
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Tier 1 and Total Risk-based Capital ratios - do
not apply to credit unions; minimum 5% and 8% respectively for Adequately
Capitalized for Banks |
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Nonperforming Loans - Loans past due 90 days
or more + nonaccrual loans |
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Nonperforming Assets - Loans past due 90 days
or more + nonaccrual loans + Other Real Estate Owned (generally the result of
repossession) |
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Holding Company Data not available for thrifts
or credit unions |
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Enforcement Action Regulator: lists any federal
regulator(s) with which the entity has an enforcement action. To search for
actions: |
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FDIC: |
http://www.fdic.gov/bank/individual/enforcement/begsrch.html |
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OCC: |
http://apps.occ.gov/EnforcementActions/ |
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FRS: |
http://www.federalreserve.gov/apps/enforcementactions/search.aspx |
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OTS: |
http://www.ots.treas.gov/?p=EnforcementSearch |
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CAPITAL /
LIQUIDITY |
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PROFITABILITY |
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NONPERFORMING ASSETS |
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Holding Company & Enforcement Action Data |
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| Bank,
Savings Bank, Thrift or Credit Union (B,S,T or C) |
FDIC Cert.
# (banks, savings banks and thrifts) or NCUA Charter # (credit unions) |
Entity |
City |
State |
Web Site |
Current
Star- Rating |
Previous
Quarter Star-Rating |
Public Fund
Deposits |
Total Assets |
Tier 1
Capital |
Leverage
Capital Ratio |
Tier 1
Risk-based Capital Ratio (N.A. for Credit Unions) |
Total
Risk-based Capital Ratio (N.A. for Credit Unions) |
Regulatory
Capital Classification |
Loan to
Deposit Ratio |
Net Income
for the Quarter Noted |
YTD Net
Income |
Return on
Average Assets |
Return on
Average Equity |
Previous
Calendar Year Net Income |
Other Real
Estate Owned |
Non-accrual
Loans & Accruing Loans past due 90+ days |
Nonperforming
Assets % Net Worth+Reserves |
Nonperforming
Assets % Total Assets |
Delinquent
Loans % Total Loans |
Net YTD
Chargeoffs % Total Loans |
Loan Loss
Reserve % Total Loans |
Loan Loss
Reserve % Loans Delinquent 90+ Days and Nonaccrual Loans |
Holding
Company Number (Banks and Savings Banks only) |
Holding
Company Name (Banks and Savings Banks only) |
Enforcement
Action Regulator (see links in Definitions to read the actual actions) |
Enforcement
Action Regulator 2 (see links in Definitions to read the actual actions) |
| C |
11111 |
Sample Credit Union |
City |
ST |
entitywebsitegoeshere.com |
*** |
*** |
$0.000 |
$427.600 |
$38.879 |
9.09 |
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WELL_CAP |
67.87 |
$1.138 |
$1.138 |
1.05 |
11.77 |
-$1.939 |
$1.033 |
$5.424 |
16.61 |
1.51 |
2.08 |
0.35 |
3.49 |
167.92 |
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|
None |
None |
| B |
22222 |
Sample Bank |
City |
ST |
entitywebsitegoeshere.com |
*** |
*** |
$0.000 |
$82.347 |
$7.310 |
8.99 |
12.94 |
14.06 |
WELL_CAP |
86.15 |
$0.073 |
$0.073 |
0.36 |
3.67 |
-$0.102 |
$2.257 |
$0.000 |
26.04 |
2.74 |
0.00 |
1.47 |
1.08 |
0.00 |
0 |
|
OCC |
None |
| S |
33333 |
Sample Savings
Bank |
City |
ST |
entitywebsitegoeshere.com |
** |
** |
$21.249 |
$321.271 |
$29.179 |
9.28 |
14.51 |
15.54 |
WELL_CAP |
69.43 |
$0.082 |
$0.082 |
0.10 |
1.30 |
-$1.092 |
$0.332 |
$11.993 |
44.22 |
3.84 |
6.58 |
0.37 |
1.13 |
17.18 |
11111 |
Holding Company
Name |
None |
None |
| B |
44444 |
Sample Bank |
City |
ST |
entitywebsitegoeshere.com |
***** |
**** |
$7.340 |
$1,255.330 |
$105.352 |
8.83 |
18.80 |
20.89 |
WELL_CAP |
75.55 |
$0.476 |
$0.476 |
0.15 |
1.24 |
$2.254 |
$8.493 |
$22.178 |
13.46 |
2.44 |
2.74 |
0.45 |
1.67 |
61.02 |
22222 |
Holding Company
Name |
None |
None |
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