IRABankRatings.com - Sample Bank Rating for Countrywide Bank, FSB 6465 GREENWOOD PLAZA #200 CENTENNIAL, CO 80111 (33143)

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

FDIC Certificate # 33143: Countrywide Bank, FSB
6465 GREENWOOD PLAZA #200, CENTENNIAL, CO, 80111

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.

POTENTIAL MORAL HAZARD
This bank has Federal Home Loan Bank (FHLB) advances to Total Assets levels above the FDIC moral hazard limit guideline of 15%. FHLB obligations are senior to depositors in event of bank resolution potentially forcing the FDIC to draw from the Bank Insurance Fund.

IRA Surveillance Benchmarks

Stress Score	Overall 0.6	ROE 0.6	Loan Defaults 0.0	Capital 1.0	Lending Capacity 1.0	Efficiency 0.3
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

95.94%

Wall Street
RISK BEARING INVESTMENTS AS % OF BUSINESS

4.06%

Capital Adequacy

LEVERAGE RATIO

7.31%

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

Tier 1 to RWA

12.22%

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

RBC to RWA

12.48%

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

Bank Only
TCE

7.12%

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	$0.16	$0.00	$0.16	Exp-to-Assets	101.88%
Commitments	$10,017,550	$0	$10,017,550	Exposure (LN+UC)	$74,489,191
Loans	$64,471,641	$0	$64,471,641	Assets	$73,116,292

Bank Operations
Efficiency Ratio

19.7%

Bank Lending Quality
Surveillance Report

Current Defaults	$7,173
Degraded Lending Assets 30-89/Over 90/Non-Accrual/Non-Conforming/REO	$1,040,387
Total Lending	$64,471,641
Tangible Assets	$73,093,024
Ratios:
Trouble Ratio: Degraded-to-Current Defaults	145.04:1
Total Troubled to Lending	1.62%
Total Troubled to Tangible Assets	1.43%

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