IRABankRatings.com - Sample Bank Rating for FRONTIER FINANCIAL CORPORATION

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

HCR# 1031346: FRONTIER FINANCIAL CORPORATION

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 0.6	Loan Defaults 0.0	Capital 0.7	Lending Capacity 1.2	Efficiency 0.6
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

98.85%

Wall Street
RISK BEARING INVESTMENTS AS % OF BUSINESS

1.15%

Capital Adequacy

LEVERAGE RATIO

9.92%

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

Tier 1 to RWA

10.14%

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

RBC to RWA

11.39%

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

Bank Only
TCE

10.01%

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	$0.34	$4.35	$0.35	Exp-to-Assets	124.86%
Commitments	$810,736	$31,917	$842,653	Exposure (LN+UC)	$3,245,615
Loans	$2,395,626	$7,336	$2,402,962	Assets	$2,599,503

Bank Operations
Efficiency Ratio

41.5%

Bank Lending Quality
Surveillance Report

Current Defaults	$706
Degraded Lending Assets 30-89/Over 90/Non-Accrual/Non-Conforming/REO	$11,347
Total Lending	$2,402,962
Tangible Assets	$2,593,185
Ratios:
Trouble Ratio: Degraded-to-Current Defaults	16.07:1
Total Troubled to Lending	0.50%
Total Troubled to Tangible Assets	0.46%

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.

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