IRABankRatings.com SAMPLE Bank Holding Company Performance Profile Data Source: FDIC/IRA Bank Monitor | HCR# 3242838: REGIONS 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
0.9
|
ROE
1.5
|
Loan Defaults
0.5
|
Capital
0.9
|
Lending Capacity
1.0
|
Efficiency
0.8
|
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
97.94% | Wall Street RISK BEARING INVESTMENTS AS % OF BUSINESS
2.06% |
Capital Adequacy
LEVERAGE RATIO
8.57%
If Tier 1 Leverage Capital Ratio is greater than 5%. | Tier 1 to RWA
10.43%
If Tier 1 Risk Based Capital is greater than 6% of Total Risk Weighted Assets. | RBC to RWA
12.00%
If Total Risk Based Capital is greater than 10% of Total Risk Weighted Assets. | Bank Only TCE
8.39%
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 | $0.33 | $0.00 | $0.33 | Exp-to-Assets | 98.55% | Commitments | $19,802,418 | $0 | $19,802,418 | Exposure (LN+UC) | $79,898,507 | Loans | $60,096,039 | $50 | $60,096,089 | Assets | $81,074,402 |
Bank Operations Efficiency Ratio | 56.5% |
Bank Lending Quality Surveillance Report | Current Defaults | $186,731 | Degraded Lending Assets 30-89/Over 90/Non-Accrual/Non-Conforming/REO | $1,850,922 | Total Lending | $60,096,089 | Tangible Assets | $75,207,195 | Ratios: | | Trouble Ratio: Degraded-to-Current Defaults | 9.91:1 | Total Troubled to Lending | 3.39% | Total Troubled to Tangible Assets | 2.71% |
|
|
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.
|
|
|
SURVEY QUESTION: Why are you interested in this bank?
I'm a customer of this bank
I'm an investor in this bank.
I'm an employee of the bank.
I'm a financial professional.
None of the above.
If you were a registered user, there could be a daily story in this space. |
Public Service Announcements |
FDIC Foreclosure Prevention Tool Kit
"The FDIC -- along with fellow regulators and the banking industry -- continues the urgent search for workable solutions to our nation's serious subprime mortgage and foreclosure problems."
|
IRA is not endorsed by any agency or program featured in this section. We display these links solely in the public interest because good citizenship matters.
We will post additional material here as we find it. If you believe your government or non-profit program merits being added to this list please contact us.
|
|