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CREME DE LA CREME LIST OF BANKING

 CORAL GABLES, Fla., Dec. 2 ~PRNewswire~ -- Bauer Financial Reports, Inc, reports that 834 commercial banks, 468 savings associations (S&Ls) and 87 savings banks or co-operative banks have each received Bauer's highest five-star rating since the inception of the awards.
 Our most recent ratings are based on an analysis of financial data as filed with federal regulators for the quarter ended June, 30, 1992.
 -- 834 commercial banks received five-star ratings in each of 15 consecutive quarters (45 months). They represent 20.6 percent of banks awarded a five-star rating for the current quarter and 7.07 percent of commercial banks nationwide.
 A five-star rating for banks is earned when tangible capital exceeds 9.0 percent of tangible assets, the risk-based capital ratio exceeds 9.65 percent, delinquencies and repossessed assets are manageable, the bank is soundly invested and operates profitably.
 -- 468 S&Ls received a five-star rating for 17 consecutive quarters (4 1~4 years). They represent 56.8 percent of savings associations (FDIC-SAIF insured) receiving a five-star rating in the current reporting period and 21.98 percent of thrifts nationwide.
 -- 87 savings and co-operative banks received five-star ratings for 11 consecutive quarters (2 1~4 years). They represent 34.8 percent of savings institutions (FDIC-BIF insured) receiving a five star rating for this period and 19.29 percent of their classification, nationwide.
 A five-star rating, for the safest savings associations (S&Ls, savings banks and co-operative banks) in the country indicates that the thrift's tangible capital exceeds 6.55 percent of tangible assets, its risk-based capital ratio exceeds 9.65 percent, that there are no excessive delinquencies or repossessed assets and that the association operates profitably.
 Although the tangible capital ratio requirements for commercial banks and savings institutions differ, the risk-based capital ratio requirement, which measures the degree of credit risk in the loan portfolio against capital adequacy, is identical for both groups.
 Bauer Financial Reports, Inc. analyzes and compiles data on all U.S. banks, thrifts and credit unions. To find out if your bank meets current regulatory capital guidelines, call Bauer's BankRater(R) at 800-388-6686 between 8 a.m. and 8 p.m., eastern time, Monday through Friday. This is a free service. Additional financial data on banks, including its star rating, is available for $10.
 Members of the press may request the names of the institutions classified Creme de la Creme by calling Brienne Jorgensen at 305-444-3125 or by FAXing 305-441-0691.
 -0- 12~2~92
 ~CONTACT: Brienne Jorgensen of Bauer Financial Reports, 305-444-3125~


CO: Bauer Financial Reports ST: Florida IN: FIN SU:

JB-JJ -- FLFNS2 -- 2714 12~02~92 07:33 EST
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Publication:PR Newswire
Date:Nov 30, 1992
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