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IRABankRatings.com
SAMPLE Bank Unit Performance Profile

Data Source: FDIC/IRA Bank Monitor
FDIC Certificate # 20100:  Citizens State Bank
Member of Holding Company:
4564 MAIN STREET, JASPER, TN, 37347

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

0.8
ROE

0.8
Loan Defaults

0.2
Capital

1.0
Lending Capacity

0.8
Efficiency

1.2

Industry
Benchmark

1.1

1.1

1.0

0.9

1.2

1.1

Business Model Comments
LENDING BUSINESS EMPHASIS BANK
This bank concentrates it's business operations exposure in lending.
Main Street
LENDING AS % OF BUSINESS

95.68%
Wall Street
RISK BEARING INVESTMENTS AS % OF BUSINESS

4.32%

Capital Adequacy
LEVERAGE RATIO

7.39%

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

Tier 1 to RWA

10.64%

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

RBC to RWA

11.67%

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

Bank Only
TCE


7.31%

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$0.08$1.68$0.08Exp-to-Assets77.40%
Commitments$3,410$335$3,745Exposure (LN+UC)$48,323
Loans$44,378$200$44,578Assets$62,436

Bank Operations
Efficiency Ratio
81.7%


Bank Lending Quality
Surveillance Report
Current Defaults$60
Degraded Lending Assets
30-89/Over 90/Non-Accrual/Non-Conforming/REO
$764
Total Lending$44,578
Tangible Assets$59,376

Ratios:
Trouble Ratio: Degraded-to-Current Defaults12.73:1
Total Troubled to Lending1.85%
Total Troubled to Tangible Assets1.39%

IRA Bank Monitor is a product of Institutional Risk Analytics, a unit of Lord, Whalen LLC (�LW�) and may not be reproduced, disseminated, or distributed, in part or in whole, by any means, outside of the recipient's organization without express written authorization from LW. It is a violation of federal copyright law to reproduce all or part of this publication or its contents by any means. This material does not constitute a solicitation for the purchase or sale of any securities or investments. The opinions expressed herein are based on publicly available information and are considered reliable. However, LW makes NO WARRANTIES OR REPRESENTATIONS OF ANY SORT with respect to this report. Any person using this material does so solely at their own risk and LW and/or its employees shall be under no liability whatsoever in any respect thereof.

Property of Institutional Risk Analytics, a unit of Lord, Whalen LLC. Copyright 2009. All rights reserved.
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