IRABankRatings.com - Sample Bank Rating for Grants State Bank 824 WEST SANTA FE AVENUE GRANTS, NM 87020 (16590)

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

FDIC Certificate # 16590: Grants State Bank
Member of Holding Company:
824 WEST SANTA FE AVENUE, GRANTS, NM, 87020

December-2005 Report Card
Sample data. Add this to your shopping cart to get the latest data.

IRA Letter Grade
A+
Shows less stress than 1995 1.0 Index baseline.

IRA Surveillance Benchmarks

Stress Score	Overall 0.6	ROE 0.7	Loan Defaults 0.2	Capital 0.9	Lending Capacity 0.3	Efficiency 1.0
Industry Benchmark	1.1	1.1	1.0	0.9	1.2	1.1

Business Model Comments

PORTFOLIO INVESTMENT EMPHASIS PROFILE DETECTED!
This bank has been flagged because it's trading and risk bearing securities portfolio exceeds the size of it's lending operations. The institution may be operating more as a portolio investment company than an operating bank. Check the economic capital section of the report to determine if you have any concerns over where their non-lending deployment is positioned.

Main Street
LENDING AS % OF BUSINESS

41.41%

Wall Street
RISK BEARING INVESTMENTS AS % OF BUSINESS

58.59%

Capital Adequacy

LEVERAGE RATIO

7.87%

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

Tier 1 to RWA

19.92%

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

RBC to RWA

21.14%

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

Bank Only
TCE

8.04%

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

Lending Capacity

	Regular Lending	Credit Cards	Total Lending		Exposure
UC-to-LN	$0.06	$0.00	$0.06	Exp-to-Assets	29.54%
Commitments	$1,449	$0	$1,449	Exposure (LN+UC)	$27,161
Loans	$25,712	$0	$25,712	Assets	$91,956

Bank Operations
Efficiency Ratio

71.2%

Bank Lending Quality
Surveillance Report

Current Defaults	$34
Degraded Lending Assets 30-89/Over 90/Non-Accrual/Non-Conforming/REO	$610
Total Lending	$25,712
Tangible Assets	$91,118
Ratios:
Trouble Ratio: Degraded-to-Current Defaults	17.94:1
Total Troubled to Lending	2.50%
Total Troubled to Tangible Assets	0.71%

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SURVEY QUESTION: Why are you interested in this bank?

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