IRABankRatings.com - Sample Bank Rating for Belgrade State Bank 401 MAIN STREET BELGRADE, MO 63622 (12208)

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IRABankRatings.com
SAMPLE Bank Unit Performance Profile
Data Source: FDIC/IRA Bank Monitor

FDIC Certificate # 12208: Belgrade State Bank
Member of Holding Company:
401 MAIN STREET, BELGRADE, MO, 63622

December-2007 Report Card
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IRA Letter Grade
'B' or better
SAMPLE

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Demo updated Jan-13-2010. Now shows a more recent datapoint as of 12/2007. Grade report simplified to show if bank would have been 'B' or better as of the test date.

Business Model

LENDING BUSINESS EMPHASIS BANK
This bank concentrates it's business operations exposure in lending.

Main Street
LENDING AS % OF BUSINESS

99.27%

Wall Street
RISK BEARING INVESTMENTS AS % OF BUSINESS

0.73%

THIS IS DEMO DATA.
It takes an average of nine (9) months for a bank to degrade when it is affected by extraordinary stress. Only current data should be used for determining present condition.

Capital Adequacy

LEVERAGE RATIO

9.96%

If Tier 1 Leverage Capital Ratio is greater than 5%.

Tier 1 to RWA

12.15%

If Tier 1 Risk Based Capital is greater than 6% of Total Risk Weighted Assets.

RBC to RWA

13.09%

If Total Risk Based Capital is greater than 10% of Total Risk Weighted Assets.

TCE
bank only

10.27%

If Tangible Common Equity ratio is greater than 3% of Tangible Assets. (This is a market not regulator analysis criteria.)

Bank Operations
Efficiency Ratio

66.8%

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