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Risk Management Manual of Examination Policies
Section 17.1 - Bank of Anytown-Report of Examination
| Examination Data and Ratios |
99999 |
| ASSET QUALITY |
ADVERSELY CLASSIFIED |
Substandard |
Doubtful |
Loss |
Total |
Loans and Leases |
4,290 |
140 |
890 |
5,320 |
Securities |
45 |
|
|
45 |
Other Real Estate Owned |
1,125 |
|
100 |
1,225 |
Other Assets |
|
|
25 |
25 |
Other Transfer Risk |
|
|
|
|
Subtotal |
5,460 |
140 |
1,015 |
6,615 |
Contingent Liabilities |
230 |
|
|
230 |
Totals at Exam Date: 06/30/2004 |
5,690 |
140 |
1,015 |
6,845 |
Totals at Prior Exam: 09/30/2003 |
7,345 |
220 |
194 |
7,759 |
Totals at Prior Exam: 09/30/2002 |
6,655 |
177 |
67 |
6,899 |
| |
Exam Date 06/30/2004 |
Prior Exam 09/30/2003 |
Prior Exam 09/30/2002 |
Total Special Mention |
354 |
515 |
|
Adversely Classified Items Coverage Ratio |
84.41 |
102.71 |
94.92 |
Total Adversely Classified Assets / Total Assets |
8.21 |
9.93 |
8.20 |
Past Due and Nonaccrual Loans and Leases / Gross Loans & Leases |
6.76 |
8.42 |
9.12 |
Adversely Classified Loans and Leases / Total Loans |
9.86 |
12.68 |
11.30 |
| ALLL / Total Loans & Leases |
3.67 |
3.18 |
2.50 |
| CAPITAL |
Exam Date 06/30/2004 |
Prior Exam 09/30/2003 |
Prior Exam 09/30/2002 |
Tier 1 Leverage Capital / Average Total Assets |
7.44 |
7.55 |
7.67 |
Tier 1 Risk-Based Capital / Risk-Weighted Assets |
10.48 |
9.88 |
9.90 |
Total Risk-Based Capital / Risk-Weighted Assets |
11.75 |
11.39 |
11.40 |
Capital Category
The capital category relates only to the Prompt Corrective Action provisions of Part 325 of the FDIC Rules and Regulations. PCA Categories: W - Well-capitalized, A – Adequately capitalized, U – Undercapitalized, S – Significantly undercapitalized, C – Critically undercapitalized. |
W |
W |
W |
CAPITAL |
Period Ended 06/30/2004 |
Peer 06/30/2004 |
Period Ended 12/31/2003 |
Period Ended 12/31/2002 |
| Retained Earnings to Average Total Equity |
3.39 |
9.32 |
(2.05) |
(3.86) |
| Asset Growth Rate |
2.66 |
6.78 |
0.42 |
0.20 |
| Cash Dividends / Net Income |
|
32.65 |
|
|
EARNINGS |
Period Ended 06/30/2004 |
Peer 06/30/2004 |
Period Ended 12/31/2003 |
Period Ended 12/31/2002 |
| Net Income (After Tax) / Average Assets |
0.27 |
1.03 |
(0.15) |
(0.30) |
| Net Interest Income (TE) / Average Earning Assets |
4.74 |
4.64 |
4.37 |
4.64 |
| Total Noninterest Expense / Average Assets |
3.82 |
2.90 |
3.62 |
3.54 |
LIQUIDITY |
Period Ended 06/30/2004 |
Peer 06/30/2004 |
Period Ended 12/31/2003 |
Period Ended 12/31/2002 |
| Net Non-core Funding Dependence |
12.23 |
10.35 |
14.67 |
9.63 |
| Net Loans and Leases/Assets |
64.45 |
66.20 |
68.79 |
69.24 |
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