New Bank Marketing Strategy

eight_banks_after_sale_1.xlsx

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Financial Output Post Purch

Group #1					Group #2					Group #3					Group #4					Group #5					Group #6					Group #7					Group #8
Balance Sheet				12/31/20X0	Balance Sheet				12/31/20X3	Balance Sheet				12/31/20X0	Balance Sheet				12/31/20X0	Balance Sheet				12/31/20X0	Balance Sheet				12/31/20X0	Balance Sheet				12/31/20X0	Balance Sheet				12/31/20X0
Cash				9,329,964	Cash				2,342,446	Cash				2,942,045	Cash				13,247,303	Cash				2,895,196	Cash				2,556,446	Cash				9,330,964	Cash				3,111,045
Securities and Other Investments				4,500,000	Securities and Other Investments				1,600,000	Securities and Other Investments				2,196,816	Securities and Other Investments				4,000,000	Securities and Other Investments				2,000,000	Securities and Other Investments				1,600,000	Securities and Other Investments				4,500,000	Securities and Other Investments				2,196,816
Loans					Loans					Loans					Loans					Loans					Loans					Loans					Loans
		Commercial Loans	8,641,278				Commercial Loans	7,960,410				Commercial Loans	9,063,594				Commercial Loans	7,961,065				Commercial Loans	8,592,732				Commercial Loans	7,960,410				Commercial Loans	8,641,278				Commercial Loans	9,063,594
		Consumer Loans	6,149,423				Consumer Loans	5,158,236				Consumer Loans	6,070,285				Consumer Loans	5,535,150				Consumer Loans	6,026,361				Consumer Loans	5,158,236				Consumer Loans	6,149,423				Consumer Loans	6,070,285
		Real Estate Loans	13,157,372				Real Estate Loans	11,901,157				Real Estate Loans	12,072,811				Real Estate Loans	12,903,575				Real Estate Loans	11,682,169				Real Estate Loans	11,901,157				Real Estate Loans	13,157,372				Real Estate Loans	12,072,811
	Total Loans Balances		27,948,072			Total Loans Balances		25,019,803			Total Loans Balances		27,206,690			Total Loans Balances		26,399,790			Total Loans Balances		26,301,262			Total Loans Balances		25,019,803			Total Loans Balances		27,948,072			Total Loans Balances		27,206,690
	Allowance for Loan Losses		(488,036)			Allowance for Loan Losses		(295,035)			Allowance for Loan Losses		(442,550)			Allowance for Loan Losses		(387,094)			Allowance for Loan Losses		(428,459)			Allowance for Loan Losses		(295,035)			Allowance for Loan Losses		(488,036)			Allowance for Loan Losses		(442,550)
Total Loans				27,460,036	Total Loans				24,724,767	Total Loans				26,764,139	Total Loans				26,012,697	Total Loans				25,872,804	Total Loans				24,724,767	Total Loans				27,460,036	Total Loans				26,764,139
Other Assets				738,173	Other Assets				2,395,256	Other Assets				719,466	Other Assets				699,266	Other Assets				695,505	Other Assets				2,395,256	Other Assets				738,173	Other Assets				719,466
TOTAL ASSETS				42,028,173	TOTAL ASSETS				31,062,470	TOTAL ASSETS				32,622,466	TOTAL ASSETS				43,959,266	TOTAL ASSETS				31,463,505	TOTAL ASSETS				31,276,470	TOTAL ASSETS				42,029,173	TOTAL ASSETS				32,791,466
Deposits					Deposits					Deposits					Deposits					Deposits					Deposits					Deposits					Deposits
		Demand	14,400,000				Demand	7,200,000				Demand	4,320,000				Demand	5,760,000				Demand	5,760,000				Demand	7,200,000				Demand	14,400,000				Demand	4,320,000
		Savings	19,200,000				Savings	9,600,000				Savings	14,400,000				Savings	24,000,000				Savings	14,400,000				Savings	9,600,000				Savings	19,200,000				Savings	14,400,000
		Time Deposits	3,840,000				Time Deposits	5,760,000				Time Deposits	9,600,000				Time Deposits	9,600,000				Time Deposits	6,720,000				Time Deposits	5,760,000				Time Deposits	3,840,000				Time Deposits	9,600,000
	Total Deposits			37,440,000		Total Deposits			22,560,000		Total Deposits			28,320,000		Total Deposits			39,360,000		Total Deposits			26,880,000		Total Deposits			22,560,000		Total Deposits			37,440,000		Total Deposits			28,320,000
Other Liabilities				738,173	Other Liabilities				4,494,470	Other Liabilities				719,466	Other Liabilities				699,266	Other Liabilities				695,505	Other Liabilities				4,494,470	Other Liabilities				738,173	Other Liabilities				719,466
TOTAL LIABILITIES				38,178,173	TOTAL LIABILITIES				27,054,470	TOTAL LIABILITIES				29,039,466	TOTAL LIABILITIES				40,059,266	TOTAL LIABILITIES				27,575,505	TOTAL LIABILITIES				27,054,470	TOTAL LIABILITIES				38,178,173	TOTAL LIABILITIES				29,039,466
Shareholder's Equity (Capital)				3,850,000	Shareholder's Equity (Capital)				4,008,000	Shareholder's Equity (Capital)				3,583,000	Shareholder's Equity (Capital)				3,900,000	Shareholder's Equity (Capital)				3,888,000	Shareholder's Equity (Capital)				4,222,000	Shareholder's Equity (Capital)				3,851,000	Shareholder's Equity (Capital)				3,752,000
TOTAL LIABILITIES & EQUITY				42,028,173	TOTAL LIABILITIES & EQUITY				31,062,470	TOTAL LIABILITIES & EQUITY				32,622,466	TOTAL LIABILITIES & EQUITY				43,959,266	TOTAL LIABILITIES & EQUITY				31,463,505	TOTAL LIABILITIES & EQUITY				31,276,470	TOTAL LIABILITIES & EQUITY				42,029,173	TOTAL LIABILITIES & EQUITY				32,791,466
Income Statement Data:				12/31/20X0	Income Statement Data:				12/31/20X3	Income Statement Data:				12/31/20X3	Income Statement Data:				12/31/20X0	Income Statement Data:				12/31/20X0	Income Statement Data:				12/31/20X0	Income Statement Data:				12/31/20X0	Income Statement Data:				12/31/20X3
Interest Income				1,630,547	Interest Income				1,518,569	Interest Income				1,563,410	Interest Income				1,548,687	Interest Income				1,553,718	Interest Income				1,518,569	Interest Income				1,630,547	Interest Income				1,563,410
Interest Expense				85,485	Interest Expense				110,603	Interest Expense				106,318	Interest Expense				112,696	Interest Expense				140,837	Interest Expense				110,603	Interest Expense				85,485	Interest Expense				106,318
Net Interest Income				1,545,062	Net Interest Income				1,407,966	Net Interest Income				1,457,092	Net Interest Income				1,435,991	Net Interest Income				1,412,882	Net Interest Income				1,407,966	Net Interest Income				1,545,062	Net Interest Income				1,457,092
Provision Expense				(182,081)	Provision Expense				(110,119)	Provision Expense				(138,405)	Provision Expense				(142,603)	Provision Expense				(151,861)	Provision Expense				(110,119)	Provision Expense				(182,081)	Provision Expense				(138,405)
Noninterest Income				494,267	Noninterest Income				462,222	Noninterest Income				474,965	Noninterest Income				470,183	Noninterest Income				472,403	Noninterest Income				462,222	Noninterest Income				494,267	Noninterest Income				474,965
Total Income				1,857,249	Total Income				1,760,069	Total Income				1,793,653	Total Income				1,763,571	Total Income				1,733,424	Total Income				1,760,069	Total Income				1,857,249	Total Income				1,793,653
Noninterest Expense					Noninterest Expense					Noninterest Expense					Noninterest Expense					Noninterest Expense					Noninterest Expense					Noninterest Expense					Noninterest Expense
	Salaries and Benefits			714,137		Salaries and Benefits			624,017		Salaries and Benefits			655,855		Salaries and Benefits			655,525		Salaries and Benefits			648,145		Salaries and Benefits			624,017		Salaries and Benefits			714,137		Salaries and Benefits			655,855
	Occupancy			127,105		Occupancy			118,536		Occupancy			121,614		Occupancy			121,471		Occupancy			120,844		Occupancy			118,536		Occupancy			127,105		Occupancy			121,614
	Operating			555,440		Operating			485,347		Operating			510,109		Operating			509,853		Operating			504,113		Operating			485,347		Operating			555,440		Operating			510,109
	Other			39,674		Other			34,668		Other			36,436		Other			36,418		Other			36,008		Other			34,668		Other			39,674		Other			36,436
Total Noninterest Expense				1,436,357	Total Noninterest Expense				1,262,567	Total Noninterest Expense				1,324,014	Total Noninterest Expense				1,323,266	Total Noninterest Expense				1,309,110	Total Noninterest Expense				1,262,567	Total Noninterest Expense				1,436,357	Total Noninterest Expense				1,324,014
Net Profit before Taxes				420,892	Net Profit before Taxes				497,502	Net Profit before Taxes				469,638	Net Profit before Taxes				440,304	Net Profit before Taxes				424,314	Net Profit before Taxes				497,502	Net Profit before Taxes				420,892	Net Profit before Taxes				469,638
Stats and Performance Ratios:				12/31/20X0	Stats and Performance Ratios:				12/31/20X0	Stats and Performance Ratios:				12/31/20X0	Stats and Performance Ratios:				12/31/20X0	Stats and Performance Ratios:				12/31/20X0	Stats and Performance Ratios:				12/31/20X0	Stats and Performance Ratios:				12/31/20X0	Stats and Performance Ratios:				12/31/20X0
Loans - Average Balance				29,419,482	Loans - Average Balance				26,331,187	Loans - Average Balance				28,649,011	Loans - Average Balance				27,780,493	Loans - Average Balance				27,697,445	Loans - Average Balance				26,331,187	Loans - Average Balance				29,419,482	Loans - Average Balance				28,649,011
	Avg Yield Commercial Loans		5.50%			Avg Yield Commercial Loans		5.64%			Avg Yield Commercial Loans		5.26%			Avg Yield Commercial Loans		5.52%			Avg Yield Commercial Loans		5.48%			Avg Yield Commercial Loans		5.64%			Avg Yield Commercial Loans		5.50%			Avg Yield Commercial Loans		5.26%
	Avg Yield Consumer Loans		6.20%			Avg Yield Consumer Loans		6.69%			Avg Yield Consumer Loans		6.15%			Avg Yield Consumer Loans		6.29%			Avg Yield Consumer Loans		6.24%			Avg Yield Consumer Loans		6.69%			Avg Yield Consumer Loans		6.20%			Avg Yield Consumer Loans		6.15%
	Avg Yield Real Este Loans		4.95%			Avg Yield Real Este Loans		5.11%			Avg Yield Real Este Loans		5.07%			Avg Yield Real Este Loans		4.87%			Avg Yield Real Este Loans		5.20%			Avg Yield Real Este Loans		5.11%			Avg Yield Real Este Loans		4.95%			Avg Yield Real Este Loans		5.07%
Average Yield on Loans YTD				5.400%	Average Yield on Loans YTD				5.611%	Average Yield on Loans YTD				5.376%	Average Yield on Loans YTD				5.369%	Average Yield on Loans YTD				5.533%	Average Yield on Loans YTD				5.611%	Average Yield on Loans YTD				5.400%	Average Yield on Loans YTD				5.376%
Loan Losses				-0.62%	Loan Losses				-0.42%	Loan Losses				-0.48%	Loan Losses				-0.51%	Loan Losses				-0.55%	Loan Losses				-0.42%	Loan Losses				-0.62%	Loan Losses				-0.48%
Deposits - Average Balance				14,013,579	Deposits - Average Balance				14,080,260	Deposits - Average Balance				15,024,482	Deposits - Average Balance				13,868,929	Deposits - Average Balance				35,407,002	Deposits - Average Balance				14,080,260	Deposits - Average Balance				14,013,579	Deposits - Average Balance				15,024,482
Average Rate on Deposits YTD				0.531%	Average Rate on Deposits YTD				0.305%	Average Rate on Deposits YTD				0.636%	Average Rate on Deposits YTD				0.737%	Average Rate on Deposits YTD				0.368%	Average Rate on Deposits YTD				0.305%	Average Rate on Deposits YTD				0.531%	Average Rate on Deposits YTD				0.636%
Average Yield on Investments				0.930%	Average Yield on Investments				2.574%	Average Yield on Investments				1.061%	Average Yield on Investments				1.431%	Average Yield on Investments				1.065%	Average Yield on Investments				2.574%	Average Yield on Investments				0.930%	Average Yield on Investments				1.061%
Asset Growth Yr./Yr.				30.24%	Asset Growth Yr./Yr.				-7.60%	Asset Growth Yr./Yr.				-4.45%	Asset Growth Yr./Yr.				37.66%	Asset Growth Yr./Yr.				-0.95%	Asset Growth Yr./Yr.				-7.60%	Asset Growth Yr./Yr.				30.24%	Asset Growth Yr./Yr.				-4.45%
Revenue Growth Yr./Yr.				28.13%	Revenue Growth Yr./Yr.				10.20%	Revenue Growth Yr./Yr.				25.24%	Revenue Growth Yr./Yr.				18.01%	Revenue Growth Yr./Yr.				13.04%	Revenue Growth Yr./Yr.				10.20%	Revenue Growth Yr./Yr.				28.13%	Revenue Growth Yr./Yr.				25.24%
ROE				10.93%	ROE				12.41%	ROE				13.11%	ROE				11.29%	ROE				10.91%	ROE				11.78%	ROE				10.93%	ROE				12.52%

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