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Criteria: Selection Criteria listed here  
  BauerFinancial, Inc.                      
  PO Box 143520, Coral Gables, FL 33114-3520                      
  1.800.388.6686                      
  www.bauerfinancial.com                        
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.
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.
Spreadsheet prepared on (current date) based on data as of (financial as-of date) - amounts in millions (i.e. 1.234 = $1 million, 234 thousand)
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
Definitions: Star Rating - BauerFinancial's Proprietary Star Rating based on a Zero to 5-Star scale. (5=Superior, 4=Excellent, 3=Good, 3=Adequate, 2 and below on problem list)
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)
REO - Other Real Estate Owned (generally the result of repossession)
Nonperforming Loans - Loans past due 90 days or more + nonaccrual loans
Nonperforming Assets - Loans past due 90 days or more + nonaccrual loans + Other Real Estate Owned (generally the result of repossession)
Institution Identifying Information                         STAR RATINGS CAPITAL / LIQUIDITY       PROFITABILITY     ASSET QUALITY         ASSET / LOAN COMPOSITION NONPERFORMING ASSETS                                                                                                                                                                                                                                                                                                                                                                                                                                                
FDIC Cert. # Bank Name Web Site Address City State Zip Telephone Full CEO Name Salutation First Middle Last Title Current Star- Rating Previous Quarter Star-Rating Leverage Capital Ratio Tier 1 Risk-based Capital Ratio Total Risk-based Capital Ratio Regulatory Capital Classification Noncore Funding Dependence 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 Total Loans Total Capital Total Assets Other Real Estate Owned Non-accrual Loans & Accruing Loans past due 90+ days Accruing Loans past due 30-89 days Construction/Land Development Loans % Total Loans 1-4 Family Residential Loans % Total Loans Commercial RE Loans % Total Loans (includes multi-family) Commercial & Industrial Loans % Total Loans Repossessed Assets % Net Worth Non Accrual Loans + 90 Days Past Due Loans % Net Worth Nonperforming Assets % Net Worth+Reserves (Texas Ratio) Nonperforming Assets % Total Assets Delinquent Loans % Total Loans Repossessed Assets % Total Assets Net YTD Chargeoffs % Total Loans Loan Loss Reserve % Total Loans Loan Loss Reserve % Loans Delinquent 90+ Days and Nonaccrual Loans Nonperforming Assets % Tier 1 Capital Nonperforming Assets % Tangible Assets
11111 Bank Name Link to bank's web site here Address City St Zip (555)555-5555 Mr. John Doe. President Mr. John   Doe President * ** 4.57 6.75 8.03 ADEQUATE 13.61 86.84 -$0.273 -$0.452 -1.44 -25.73 -$0.542 $44.783 $2.911 $60.570 $1.979 $2.373 $0.955 9.25 29.41 34.02 18.02 67.98 81.52 99.72 7.19 5.30 3.27 2.17 3.17 59.76 153.46 7.01
22222 Bank Name Link to bank's web site here Address City St Zip (555)555-5555 Mr. John Doe. President Mr. John   Doe President ** ** 11.45 15.45 16.73 WELL_CAP 6.87 82.92 -$0.287 -$0.840 -0.98 -8.74 -$2.579 $117.765 $19.037 $164.300 $6.907 $11.478 $5.692 7.33 22.59 33.39 20.80 36.28 60.29 79.35 11.19 9.75 4.20 3.78 3.51 36.01 96.36 11.04
33333 Bank Name Link to bank's web site here Address City St Zip (555)555-5555 Mr. John Doe. President Mr. John   Doe President * * 4.75 7.18 8.43 ADEQUATE 20.55 75.39 $0.101 $0.083 0.20 2.88 -$1.494 $46.974 $5.768 $84.692 $1.583 $0.342 $0.392 24.53 25.36 38.79 5.88 27.44 5.93 27.51 2.27 0.73 1.87 0.25 2.62 359.36 49.28 2.34
44444 Bank Name Link to bank's web site here Address City St Zip (555)555-5555 Mr. John Doe. President Mr. John   Doe President ** ** 10.49 16.91 18.17 WELL_CAP -8.39 61.30 $0.044 $0.191 0.45 3.59 -$1.257 $43.976 $10.766 $82.737 $0.430 $0.090 $0.552 10.71 18.24 37.21 20.52 3.99 0.84 4.39 0.63 0.20 0.52 0.86 2.43 1,185.56 5.99 0.63
55555 Bank Name Link to bank's web site here Address City St Zip (555)555-5555 Mr. John Doe. President Mr. John   Doe President * * 8.48 14.48 15.64 WELL_CAP -1.97 53.77 -$0.999 -$0.977 -2.23 -25.90 -$1.367 $41.215 $7.315 $84.480 $5.505 $4.813 $2.306 18.53 24.09 27.62 18.10 75.26 65.80 114.12 12.21 11.68 6.52 3.13 4.19 35.86 140.65 11.93