IRABankRatings.com SAMPLE Bank Holding Company Performance Profile Data Source: FDIC/IRA Bank Monitor | HCR# 1364053: FIRST INDEPENDENT BANCSHARES, INC.
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December-2005 Report Card Sample data. Add this to your shopping cart to get the latest data.
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IRA Surveillance Benchmarks
Stress Score
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Overall
0.7
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ROE
1.0
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Loan Defaults
0.5
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Capital
0.8
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Lending Capacity
0.7
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Efficiency
0.8
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Industry Benchmark
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1.1
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1.1
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1.0
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0.9
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1.2
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1.1
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Business Model
LENDING BUSINESS EMPHASIS BANK This bank concentrates it's business operations exposure in lending.
| Main Street LENDING AS % OF BUSINESS
97.16% | Wall Street RISK BEARING INVESTMENTS AS % OF BUSINESS
2.84% |
THIS IS DEMO DATA.
It takes an average of nine (9) months for a bank to degrade when it is affected by extraordinary stress. Only current data should be used for determining present condition.
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Capital Adequacy
LEVERAGE RATIO
9.64%
If Tier 1 Leverage Capital Ratio is greater than 5%. | Tier 1 to RWA
14.30%
If Tier 1 Risk Based Capital is greater than 6% of Total Risk Weighted Assets. | RBC to RWA
15.38%
If Total Risk Based Capital is greater than 10% of Total Risk Weighted Assets. | TCE bank only
9.65%
If Tangible Common Equity ratio is greater than 3% of Tangible Assets. (This is a market not regulator analysis criteria.) |
Bank Operations Efficiency Ratio | 56.4% |
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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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