Bank Bid Analysis Worksheet

eight_banks_for_salef_2017.xlsx

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Financial Output #0

Bank "A"					Bank "B"					Bank "C"					Bank "D"					Bank "E"					Bank "F"					Bank "G"					Bank "H"
Balance Sheet				12/31/20X0	Balance Sheet				12/31/20X0	Balance Sheet				12/31/20X0	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
Cash				8,633,495	Cash				2,865,522	Cash				2,832,000	Cash				1,392,000	Cash				2,256,000	Cash				9,199,111	Cash				16,079,381	Cash				13,160,899
Securities and Other Investments				3,000,000	Securities and Other Investments				2,000,000	Securities and Other Investments				2,196,816	Securities and Other Investments				0	Securities and Other Investments				1,600,000	Securities and Other Investments				4,500,000	Securities and Other Investments				2,500,000	Securities and Other Investments				4,000,000
Loans					Loans					Loans					Loans					Loans					Loans					Loans					Loans
		Commercial Loans	7,587,441				Commercial Loans	8,592,732				Commercial Loans	9,063,594				Commercial Loans	8,059,579				Commercial Loans	7,960,410				Commercial Loans	8,641,278				Commercial Loans	9,101,351				Commercial Loans	7,961,065
		Consumer Loans	5,074,103				Consumer Loans	6,026,361				Consumer Loans	6,070,285				Consumer Loans	5,356,410				Consumer Loans	5,158,236				Consumer Loans	6,149,423				Consumer Loans	6,586,702				Consumer Loans	5,535,150
		Real Estate Loans	10,923,533				Real Estate Loans	11,682,169				Real Estate Loans	12,072,811				Real Estate Loans	12,160,287				Real Estate Loans	11,901,157				Real Estate Loans	13,157,372				Real Estate Loans	13,011,609				Real Estate Loans	12,903,575
	Total Loans Balances		23,585,077			Total Loans Balances		26,301,262			Total Loans Balances		27,206,690			Total Loans Balances		25,576,276			Total Loans Balances		25,019,803			Total Loans Balances		27,948,072			Total Loans Balances		28,699,662			Total Loans Balances		26,399,790
	Allowance for Loan Losses		(349,109)			Allowance for Loan Losses		(428,459)			Allowance for Loan Losses		(442,550)			Allowance for Loan Losses		(363,220)			Allowance for Loan Losses		(295,035)			Allowance for Loan Losses		(488,036)			Allowance for Loan Losses		(406,862)			Allowance for Loan Losses		(387,094)
Total Loans				23,235,968	Total Loans				25,872,804	Total Loans				26,764,139	Total Loans				25,213,056	Total Loans				24,724,767	Total Loans				27,460,036	Total Loans				28,292,800	Total Loans				26,012,697
Other Assets				624,623	Other Assets				695,505	Other Assets				719,466	Other Assets				677,770	Other Assets				2,395,256	Other Assets				738,173	Other Assets				760,559	Other Assets				699,266
TOTAL ASSETS				35,494,086	TOTAL ASSETS				31,433,832	TOTAL ASSETS				32,512,421	TOTAL ASSETS				27,282,827	TOTAL ASSETS				30,976,024	TOTAL ASSETS				41,897,320	TOTAL ASSETS				47,632,740	TOTAL ASSETS				43,872,861
Deposits					Deposits					Deposits					Deposits					Deposits					Deposits					Deposits					Deposits
		Demand	8,640,000				Demand	5,760,000				Demand	4,320,000				Demand	7,200,000				Demand	7,200,000				Demand	14,400,000				Demand	14,400,000				Demand	5,760,000
		Savings	16,800,000				Savings	14,400,000				Savings	14,400,000				Savings	4,800,000				Savings	9,600,000				Savings	19,200,000				Savings	19,200,000				Savings	24,000,000
		Time Deposits	5,760,000				Time Deposits	6,720,000				Time Deposits	9,600,000				Time Deposits	1,920,000				Time Deposits	5,760,000				Time Deposits	3,840,000				Time Deposits	9,600,000				Time Deposits	9,600,000
	Total Deposits			31,200,000		Total Deposits			26,880,000		Total Deposits			28,320,000		Total Deposits			13,920,000		Total Deposits			22,560,000		Total Deposits			37,440,000		Total Deposits			43,200,000		Total Deposits			39,360,000
Other Liabilities				624,623	Other Liabilities				695,505	Other Liabilities				719,466	Other Liabilities				9,575,835	Other Liabilities				4,494,470	Other Liabilities				738,173	Other Liabilities				760,559	Other Liabilities				699,266
TOTAL LIABILITIES				31,824,623	TOTAL LIABILITIES				27,575,505	TOTAL LIABILITIES				29,039,466	TOTAL LIABILITIES				23,495,835	TOTAL LIABILITIES				27,054,470	TOTAL LIABILITIES				38,178,173	TOTAL LIABILITIES				43,960,559	TOTAL LIABILITIES				40,059,266
Shareholder's Equity (Capital)				3,669,463	Shareholder's Equity (Capital)				3,858,326	Shareholder's Equity (Capital)				3,472,955	Shareholder's Equity (Capital)				3,786,992	Shareholder's Equity (Capital)				3,921,554	Shareholder's Equity (Capital)				3,719,147	Shareholder's Equity (Capital)				3,672,181	Shareholder's Equity (Capital)				3,813,595
TOTAL LIABILITIES & EQUITY				35,494,086	TOTAL LIABILITIES & EQUITY				31,433,832	TOTAL LIABILITIES & EQUITY				32,512,421	TOTAL LIABILITIES & EQUITY				27,282,827	TOTAL LIABILITIES & EQUITY				30,976,024	TOTAL LIABILITIES & EQUITY				41,897,320	TOTAL LIABILITIES & EQUITY				47,632,740	TOTAL LIABILITIES & EQUITY				43,872,861
Income Statement Data:				12/31/20X0	Income Statement Data:				12/31/20X0	Income Statement Data:				12/31/20X3	Income Statement Data:				12/31/20X0	Income Statement Data:				12/31/20X3	Income Statement Data:				12/31/20X0	Income Statement Data:				12/31/20X0	Income Statement Data:				12/31/20X0
Interest Income				1,418,601	Interest Income				1,553,718	Interest Income				1,563,410	Interest Income				1,443,646	Interest Income				1,518,569	Interest Income				1,630,547	Interest Income				1,605,341	Interest Income				1,548,687
Interest Expense				150,529	Interest Expense				140,837	Interest Expense				106,318	Interest Expense				148,588	Interest Expense				110,603	Interest Expense				85,485	Interest Expense				140,074	Interest Expense				112,696
Net Interest Income				1,268,072	Net Interest Income				1,412,882	Net Interest Income				1,457,092	Net Interest Income				1,295,058	Net Interest Income				1,407,966	Net Interest Income				1,545,062	Net Interest Income				1,465,268	Net Interest Income				1,435,991
Provision Expense				(118,094)	Provision Expense				(151,861)	Provision Expense				(138,405)	Provision Expense				(131,773)	Provision Expense				(110,119)	Provision Expense				(182,081)	Provision Expense				(177,012)	Provision Expense				(142,603)
Noninterest Income				430,588	Noninterest Income				472,403	Noninterest Income				474,965	Noninterest Income				438,233	Noninterest Income				462,222	Noninterest Income				494,267	Noninterest Income				487,057	Noninterest Income				470,183
Total Income				1,580,566	Total Income				1,733,424	Total Income				1,793,653	Total Income				1,601,518	Total Income				1,760,069	Total Income				1,857,249	Total Income				1,775,312	Total Income				1,763,571
Noninterest Expense					Noninterest Expense					Noninterest Expense					Noninterest Expense					Noninterest Expense					Noninterest Expense					Noninterest Expense					Noninterest Expense
	Salaries and Benefits			677,358		Salaries and Benefits			648,145		Salaries and Benefits			655,855		Salaries and Benefits			652,873		Salaries and Benefits			624,017		Salaries and Benefits			714,137		Salaries and Benefits			794,649		Salaries and Benefits			655,525
	Occupancy			118,635		Occupancy			120,844		Occupancy			121,614		Occupancy			121,232		Occupancy			118,536		Occupancy			127,105		Occupancy			129,000		Occupancy			121,471
	Operating			486,809		Operating			504,113		Operating			510,109		Operating			507,790		Operating			485,347		Operating			555,440		Operating			570,255		Operating			509,853
	Other			34,772		Other			36,008		Other			36,436		Other			36,271		Other			34,668		Other			39,674		Other			40,733		Other			36,418
Total Noninterest Expense				1,317,574	Total Noninterest Expense				1,309,110	Total Noninterest Expense				1,324,014	Total Noninterest Expense				1,318,165	Total Noninterest Expense				1,262,567	Total Noninterest Expense				1,436,357	Total Noninterest Expense				1,534,637	Total Noninterest Expense				1,323,266
Net Profit before Taxes				262,992	Net Profit before Taxes				424,314	Net Profit before Taxes				469,638	Net Profit before Taxes				283,353	Net Profit before Taxes				497,502	Net Profit before Taxes				420,892	Net Profit before Taxes				240,675	Net Profit before Taxes				440,304
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				24,827,499	Loans - Average Balance				27,697,445	Loans - Average Balance				28,649,011	Loans - Average Balance				26,917,948	Loans - Average Balance				26,331,187	Loans - Average Balance				29,419,482	Loans - Average Balance				30,220,108	Loans - Average Balance				27,780,493
	Avg Yield Commercial Loans		5.59%			Avg Yield Commercial Loans		5.48%			Avg Yield Commercial Loans		5.26%			Avg Yield Commercial Loans		5.51%			Avg Yield Commercial Loans		5.64%			Avg Yield Commercial Loans		5.50%			Avg Yield Commercial Loans		5.32%			Avg Yield Commercial Loans		5.52%
	Avg Yield Consumer Loans		6.48%			Avg Yield Consumer Loans		6.24%			Avg Yield Consumer Loans		6.15%			Avg Yield Consumer Loans		6.32%			Avg Yield Consumer Loans		6.69%			Avg Yield Consumer Loans		6.20%			Avg Yield Consumer Loans		5.86%			Avg Yield Consumer Loans		6.29%
	Avg Yield Real Este Loans		5.11%			Avg Yield Real Este Loans		5.20%			Avg Yield Real Este Loans		5.07%			Avg Yield Real Este Loans		4.83%			Avg Yield Real Este Loans		5.11%			Avg Yield Real Este Loans		4.95%			Avg Yield Real Este Loans		4.82%			Avg Yield Real Este Loans		4.87%
Average Yield on Loans YTD				5.567%	Average Yield on Loans YTD				5.533%	Average Yield on Loans YTD				5.376%	Average Yield on Loans YTD				5.363%	Average Yield on Loans YTD				5.611%	Average Yield on Loans YTD				5.400%	Average Yield on Loans YTD				5.219%	Average Yield on Loans YTD				5.369%
Loan Losses				-0.48%	Loan Losses				-0.55%	Loan Losses				-0.48%	Loan Losses				-0.49%	Loan Losses				-0.42%	Loan Losses				-0.62%	Loan Losses				-0.59%	Loan Losses				-0.51%
Deposits - Average Balance				28,691,656	Deposits - Average Balance				35,407,002	Deposits - Average Balance				15,024,482	Deposits - Average Balance				13,691,986	Deposits - Average Balance				14,080,260	Deposits - Average Balance				14,013,579	Deposits - Average Balance				13,782,014	Deposits - Average Balance				13,868,929
Average Rate on Deposits YTD				0.492%	Average Rate on Deposits YTD				0.368%	Average Rate on Deposits YTD				0.636%	Average Rate on Deposits YTD				0.033%	Average Rate on Deposits YTD				0.305%	Average Rate on Deposits YTD				0.531%	Average Rate on Deposits YTD				0.933%	Average Rate on Deposits YTD				0.737%
Average Yield on Investments				1.212%	Average Yield on Investments				1.065%	Average Yield on Investments				1.061%	Average Yield on Investments				0.776%	Average Yield on Investments				2.574%	Average Yield on Investments				0.930%	Average Yield on Investments				1.126%	Average Yield on Investments				1.431%
Asset Growth Yr./Yr.				17.38%	Asset Growth Yr./Yr.				-0.95%	Asset Growth Yr./Yr.				-4.45%	Asset Growth Yr./Yr.				-13.42%	Asset Growth Yr./Yr.				-7.60%	Asset Growth Yr./Yr.				30.24%	Asset Growth Yr./Yr.				50.49%	Asset Growth Yr./Yr.				37.66%
Revenue Growth Yr./Yr.				10.65%	Revenue Growth Yr./Yr.				13.04%	Revenue Growth Yr./Yr.				25.24%	Revenue Growth Yr./Yr.				8.52%	Revenue Growth Yr./Yr.				10.20%	Revenue Growth Yr./Yr.				28.13%	Revenue Growth Yr./Yr.				21.25%	Revenue Growth Yr./Yr.				18.01%

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