IRABankRatings.com - Sample Bank Rating for MICHIGAN HERITAGE BANCORP, INC.

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

HCR# 2519010: MICHIGAN HERITAGE BANCORP, INC.

December-2005 Report Card
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IRA Letter Grade
A
Stress level is tracking within 10% of the industry average.

IRA Surveillance Benchmarks

Stress Score	Overall 1.1	ROE 1.6	Loan Defaults 0.9	Capital 0.8	Lending Capacity 0.9	Efficiency 1.1
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

96.84%

Wall Street
RISK BEARING INVESTMENTS AS % OF BUSINESS

3.16%

Capital Adequacy

LEVERAGE RATIO

8.94%

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

Tier 1 to RWA

10.21%

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

RBC to RWA

11.22%

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

Bank Only
TCE

8.65%

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	$0.20	$0.00	$0.20	Exp-to-Assets	96.22%
Commitments	$28,599	$0	$28,599	Exposure (LN+UC)	$170,268
Loans	$141,669	$0	$141,669	Assets	$176,966

Bank Operations
Efficiency Ratio

75.6%

Bank Lending Quality
Surveillance Report

Current Defaults	$832
Degraded Lending Assets 30-89/Over 90/Non-Accrual/Non-Conforming/REO	$5,100
Total Lending	$141,669
Tangible Assets	$175,931
Ratios:
Trouble Ratio: Degraded-to-Current Defaults	6.13:1
Total Troubled to Lending	4.19%
Total Troubled to Tangible Assets	3.37%

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