Bank Institution Ratings
BAUER FINANCIAL REPORTS INC. classifies each institution based on a formula that emphasizes capital levels and also includes such data as profitability, historical trends, loan delinquencies, repossessed assets, reserves, regulatory compliance and asset quality. Negative trends are projected forward to compensate for the lag in time data.
Using the forms below, you can check to see how Bauer rates your banking institution and/or credit union. Use the dropdown menus to select by institution name, city, rating or unique federal identification number. Note that the "City" field contains the location of the institution headquarters, not necessarily the city where you bank.
Finally, ratings in this report are generated from information through March 31, 2010. Good luck searching.
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Assets: Total average tangible assets as of March 31.
YTD Income: Year-to-date net profit or loss (in parentheses) for 2010.
Nonperforming assets %: Loans 90 days past due (60 days for credit unions) plus nonaccrual loans plus other real estate owned as a percentage of total assets. One percent or less is the traditional industry standard of excellence.
Core capital ratio: Tangible net worth divided by tangible assets. Regulators require a minimum of 4 percent. Credit unions list regulatory capital as a percentage of assets.
Zero: Lowest rating.
S.U.: Start-up bank; too new to rate.
RSLVD: Resolved (the bank/credit union no longer exists).