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Note: to see details of this institution's financial condition immediately (via a .pdf file) simply choose one of the reports below.
STAR RATING FOR: Bank of Tescott Superior (These institutions are on BauerFinancial's Recommended Report.)
In addition to its nationally-recognized star-rating system,
BauerFinancialhas designed the following reports with the conscientious
consumer in mind:
1) Highlights Reports are designed for anyone who wants
to see how an individual institution has fared over the course of the
year.
The Highlights Report provides five quarters of highlights side by side so you can easily see if an institution is improving, maintaining or struggling with its rating.
Also included on the Highlights Report are:
So that:
• opening date and number of branches
• you can see if it is an established institution
• phone number and web site address when available
• you can contact the institution instantly
• asset size
• you know how big it is
• profitability data
• you can see if it is making money
• capital ratios
• you can compare them to regulatory minimums
You get all this for just $10 for the first institution and $5 for each additional bank or credit union on the same order.
2) Summary Reports also include five quarters of data and are designed
for people who want more information than what is available on the
Highlights Report but do not need detailed explanations or peer group
comparisons.
The Summary Report Includes:
So that:
• everything that is on the Highlights Report
• see above
• delinquent loan information
• you can see if past due loans are going up or down(increases in delinquencies are often a predictor of trouble)
• capital levels
• You can see what type of cushion the institution has between what it owes and what it owns
• return on assets (ROA) and return on equity (ROE)
• you can compare different measures of profitability
3) Analytical Reports are designed for people who want
more complete data for the specified quarter along with detailed
explanations in plain English of what it all means.
The Analytical Report is an accurate snapshot of what the
institution looked like at a specific point in time. This 6-page report
is available for just $20 more than the Summary Report.
In addition to Financial Statements,the Analytical Report Includes:
So that:
• a variety of ratios
• you get a complete picture of the institution
• peer group comparisons
• you can easily see how the institution is performing compared to other institutions of a similar size
• regulatory minimum requirements
• you can see if it meets or exceeds government requirements
• plain English explanations
• you can understand the entire report even if you have never seen a financial statement before
5) LLAMAS Reports are
BauerFinancial's answer to
the CAMELS call and are designed for anyone who wants it all. While
CAMELS ratings are confidential, our LLAMAS report is a combination
Summary Report + Analytical Report. It provides the best of both worlds
by giving you a Summary Report to show you trends over time and an
Analytical Report to give a detailed analysis of the institution at a
specific point in time. All for just $9 more than the Analytical Report
alone.
You get all this for just $49 per institution.
(a
combination package of the Summary and Analytical Reports. See above for
samples.)
STAR RATING DEFINITIONS:
Superior (These institutions are on BauerFinancial's Recommended Reports.)
Excellent (These institutions are on BauerFinancial's
Recommended Reports.)
Good
Adequate
Problematic
Troubled
ZERO
Our lowest rating
S.U.
Start-up. 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.
FDIC
Institution has failed and/or is operating under FDIC conservatorship.
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.
Ratings are independent. No institution has ever paid us to rate it, nor can any institution choose not to be rated.
Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial 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. BauerFinancial is a registered trademark. Any unauthorized use of its content, logos, name, and/or Star-ratings is forbidden.
