Credit Evaluation School eBook

AQ Quick Hitters What’s the Asset Quality Rating

Capital • Tier 1 Leverage Ratio - 14.5% Asset Quality • ACI Ratio – 2.3% • State Average – 17.2% • ACL to Total Loans – 1.5% • Total Loans 90+ days past due or nonaccrual – 0.7% Bank 1

Management • Sound credit underwriting and administration practices. • No violations related to loan review. Earnings • ROAA - 1.4%