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Risk Management Manual of Examination Policies

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Section 17.1 - Bank of Anytown-Report of Examination

Examination Data and Ratios
99999

ASSET QUALITY
ADVERSELY CLASSIFIED

Substandard

Doubtful

Loss

Total

Loans and Leases

4,290

140

890

5,320

Securities

45

 

 

45

Other Real Estate Owned

1,125

 

100

1,225

Other Assets

 

 

25

25

Other Transfer Risk

 

 

 

 

Subtotal

5,460

140

1,015

6,615

Contingent Liabilities

230

 

 

230

Totals at Exam Date: 06/30/2004

5,690

140

1,015

6,845

Totals at Prior Exam: 09/30/2003

7,345

220

194

7,759

Totals at Prior Exam: 09/30/2002

6,655

177

67

6,899



 

Exam Date 06/30/2004

Prior Exam 09/30/2003

Prior Exam 09/30/2002

Total Special Mention

354

515

 

Adversely Classified Items Coverage Ratio

84.41

102.71

94.92

Total Adversely Classified Assets / Total Assets

8.21

9.93

8.20

Past Due and Nonaccrual Loans and Leases / Gross Loans & Leases

6.76

8.42

9.12

Adversely Classified Loans and Leases / Total Loans

9.86

12.68

11.30

ALLL / Total Loans & Leases

3.67

3.18

2.50



CAPITAL

Exam Date 06/30/2004

Prior Exam 09/30/2003

Prior Exam 09/30/2002

Tier 1 Leverage Capital / Average Total Assets

7.44

7.55

7.67

Tier 1 Risk-Based Capital / Risk-Weighted Assets

10.48

9.88

9.90

Total Risk-Based Capital / Risk-Weighted Assets

11.75

11.39

11.40

Capital Category

The capital category relates only to the Prompt Corrective Action provisions of Part 325 of the FDIC Rules and Regulations. PCA Categories: W - Well-capitalized, A Adequately capitalized, U Undercapitalized, S Significantly undercapitalized, C Critically undercapitalized.

W

W

W



CAPITAL

Period Ended 06/30/2004

Peer 06/30/2004

Period Ended 12/31/2003

Period Ended 12/31/2002

Retained Earnings to Average Total Equity

3.39

9.32

(2.05)

(3.86)

Asset Growth Rate

2.66

6.78

0.42

0.20

Cash Dividends / Net Income

 

32.65

 

 



EARNINGS

Period Ended 06/30/2004

Peer 06/30/2004

Period Ended 12/31/2003

Period Ended 12/31/2002

Net Income (After Tax) / Average Assets

0.27

1.03

(0.15)

(0.30)

Net Interest Income (TE) / Average Earning Assets

4.74

4.64

4.37

4.64

Total Noninterest Expense / Average Assets

3.82

2.90

3.62

3.54



LIQUIDITY

Period Ended 06/30/2004

Peer 06/30/2004

Period Ended 12/31/2003

Period Ended 12/31/2002

Net Non-core Funding Dependence

12.23

10.35

14.67

9.63

Net Loans and Leases/Assets

64.45

66.20

68.79

69.24




Last Updated 02/02/2005 supervision@fdic.gov