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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
ASSET QUALITY	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 ï¿½ Adequately capitalized, U ï¿½ Undercapitalized, S ï¿½ Significantly undercapitalized, C ï¿½ 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

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