Explanation of Bank and Credit Union Star Ratings

	Superior (These institutions are on BauerFinancial's Superior Bank & Thrift Report ad the Recommended Bank & Thrift Report).
	Excellent (These institutions are also on BauerFinancial's Recommended Bank & Thrift Report.)
	Good
	Adequate
	Problematic
	Troubled
ZERO	Our lowest star rating
S.U.	Start-up bank. Institutions that are too new to rate.
N.R.	Credit Unions that either: have less than $1.5 million in assets or are not NCUA insured.
RSLVD	Institutions that have been resolved or liquidated since the reporting date. These institutions no longer exist independently and are Reported on BauerFinancial's Troubled & Problematic Bank & Thrift Report. they will be removed from subsequent Reports.

Financial data is compiled for U.S. banks and thrifts from call report data as reported to federal regulators. Although the financial data obtained from these sources is consistently reliable, the accuracy and completeness of the data cannot be guaranteed by BauerFinancial Inc.

All institutions are subject to federal regulatory capital requirements, but those requirements vary among institutions and are dependent on many factors. In general, institutions are required to maintain a tangible capital ratio of at least 4%, a tier 1 risk-based capital ratio of at least 4% and a total risk-based capital ratio of at least 8%.

In addition to the capital ratio, other criteria are used to determine the BauerFinancial™ Star-Rating. Some of these include but are not limited to: profitability/loss trend, evaluating the level of delinquent loans, chargeoffs and repossessed assets, the market versus book value of the investment portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), historical data and liquidity.