Please present the report information in landscape format (sideways) in either Excel or Word format. Insert the data for each financial institution side by side. The format shown here is Portrait format (top-bottom)

I. General Bank Information Insert the names of Financial Institutions A and Bank B side by side only.

a) Name of Financial Institution:

b) Principal Address, City, State and Zip Code of Head Office

c) Telephone and Fax Numbers:

d) Website Address (Hyperlink):

e) Date Founded:

f) Primary Regulator (State, OCC, SEC) and FDIC Certificate Number, if bank

g) Total Assets as of June 30, 2014, Dec. 31. 2013 and Dec.. 31, 2012

h) Total Deposits (Same dates as above):

i) Total Liabilities (Same dates as above):

j) Net Income as of June 30, 2014, Dec. 31, 2013 & Dec. 31 2012

k) Total Equity: as of June 30, 2014, Dec. 31, 2013 and Dec. 31, 2012

l) Peer group Number & Description, if bank:

m) Number of Banks in Peer Group:

n) Names of Directors and Principal Officers, such as: Chairman of Board, CEO, President, COO, CFO, and CIO and other Senior Officers Only:

o) Number of Branches:

p) Number of Employees:

q) Mission Statement of Each Financial Institution (from their Websites

r) Each Company's Strategy:

s) Services and Products Offered:

t) Interest Rates paid on deposits (range) Look at Miami Herald's Business Monday Edition (Money Section) or in banks' websites, or call the banks for rates. The rates' date should be be as of a specific date closest to date of report. Insert date of figures and Source.

u) Service Charges (look at website or obtain Service Charge schedule v) Loan Rates

II. Financial Trend Comparison

Periods ended June 30, 2014, June 30, 2013 and Dec. 31, 2013, 2012, 2011,

For each of balance sheet and income statement account categories shown below, please present a comparative table, insert only one linear graph for both banks and write a paragraph regarding trend for each bank for the five periods under review.  

Present data in landscape format, otherwise information may not fit on a page without scrolling. Enter the actual names of both banks-side by side- on each page and use the same chosen colors for the particular bank throughout the presentation.

ASSETS

Cash & Due from Banks

Investments:

Federal Funds Sold (Overnight Funds)

Bond Portfolio (Securities)

Loans

Real Estate

Commercial

Consumer

Agricultural

Total Loans

Less: Allowance for loan losses

Net loans

Fixed assets (Premises & Equipment)

TOTAL ASSETS

Insert Actual Names of Banks A Bank B on every page and show the same color.

LIABILITIES

Deposits:

Non-interest bearing

Interest bearing

Total Deposits

Borrowings (from other banks) ·

TOTAL LIABILITIES

Stockholders Equity (a/k/a Equity or New Worth)

Common Stock

Surplus

Retained Earnings

Dividends Paid

Total  Stockholders Equity

Total Liabilities and Equity

Income and Expense categories should be compared for full years ended December 31-2013, 2012, 2011, 2010, 2009

Actual Names of Institutions A and B INCOME

Interest Income ·

Investment Income ·

Non-Interest Income ·

TOTAL INCOME

EXPENSES·

Interest Expense

Salaries & Benefits

Provisions for Loan Loses

Other Expenses

Taxes

Total Expenses

NET INCOME

III. Comparative Financial Analysis of each bank to the other and to their

Respective Peer Group.

Page 12

IV. Search the Web-Sites of the Florida State Office of Financial Regulation, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Federal Reserve Bank and the Securities and Exchange Commission for any Cease and Desist Orders, (C&Ds') Memos of Understanding (MOUs') and Other Regulatory Enforcement Actions, as well as newspapers for recent information on both banks. For banks, you may use the Bauer Financial Reports (http://bauerfinancial.com/home.html). Also consult the Miami Herald, The Miami Daily Business Review and the South Florida Business Journal

Pages 13-14 Financial Institutions A and B

REGULATORY ENFORCEMENT ACTIONS

V. Complete the Analysis by Doing a Comparative

SWOT ANALYSIS for both Financial Institutions

SWOT ANALYSIS ·

Strengths

Weaknesses

Opportunities

Threats

Pages 15-16

VI. CONCLUSION AND DECISIONS Based on the above analysis, you arrive at the conclusion by writing a paragraph for each of the following three decisions; whether you will do it for one bank or the other only, for both banks, or for none of the banks.

You must support your conclusions with reasoned statements as to why yes or why not with respect, to either bank, both banks, or neither bank

DECISIONS

1. Would you place a personal deposit $1 million dollars or more in these two institutions or banks? Therefore being at risk, since the FDIC insurance coverage is only for $250,000.00.

FDIC should be considered irrelevant for purposes of this analysis,

2. Would you invest $500,000 in these two institutions? Why yes or no and why?

3. If you were a member of the Board of Directors of a third bank and you sat on that Bank's Credit Committee, would you grant a $1 million dollar line of credit for Overnight or Term Federal Funds to these financial institutions?

VII. BIBLIOGRAPHY:

Web-Site addresses by themselves are not acceptable. All sources are to be shown in accordance with an acceptable manual of style

Additional Guidelines for Writing the Research Report

As you complete your research and begin writing the report, it is important that, in addition to the format shown in the guidelines, the report is presented using the following format:

1. All figures must be current, which means obtaining from the FDIC/FFIEC website as of Dec. Dec. 31, 2013 financial information for both banks, as well as the most current data available for the last calendar quarter (June 30, 2014 and  2013, for the Balance Sheet Only. The information may be found by clicking on the Call & Thrift Report Section above the UBPR tab.

2. Wherever it states Financial Institution A and B, it means that you insert the actual names of both institutions. Do not use these letters in your report. 

3. All comparisons must be presented in landscape form side by side in either Excel or Word format. The text portion, as well as the financial data for Institution A, is to be presented towards the left side of the center of the page. For Institution B, insert it towards the right side of the center. In this manner, you can easily read and quickly review and analyze the type of services offered, or the numbers for the same financial account without having to re-type the same information, or the name of the account twice. It is difficult to analyze text or numbers when they are presented in top to bottom format or in a different page. In financial statements and accounting reports, the most current numbers always appear first to the left side of the page, and the older numbers to their right (see below).

4. The comparisons should be for years ended Dec 31 shown as follows: (in million) (000) which means that if the institution has $500 million in Assets, and loans comprise $ 300 million, it will be presented as shown below:

Example                         Name of Bank A                                     Name of Bank B

Total Loans

Dec 31    2013      2012      2011       2010        2009        2013    2012    2011     2010      2009

              $300.5   $275.8    $250.3    $255.4     $225.2    $305.3  $300.2  $299.7  $285.3    $275.0

5. You see how easily is to compare the amount of total loans for each bank for each year by looking across the page. You only have to type the account loans once.

Note: The FFIEC numbers appear in 000 (thousands) which mean the last three numbers from right to left represent thousands, and the fourth to the sixth numbers represent millions. The seventh number is then at least a billion.

6. You need to analyze in this manner the major balance sheet and income accounts shown previously.

7. When you present the loan section, please break it down by type: Real Estate, Commercial, Consumer, other, as shown on the FFIEC Report, as well as the Allowance for Loan Losses Account (Balance Sheet statement) together with the Provision for Loan and Lease Losses (income statement).

8. When you complete the comparison for each account, then show below the numbers, one graph with a different color line for each bank showing the growth or reduction in assets or income and expenses as time elapses. The graph is presented on the horizontal axis with year 2009 first (to the left side) and 2014 last (to the right). The vertical axis shows the smaller numbers towards the bottom of the graph and the larger number toward the top of the page.

9. Please be consistent and maintain the same color for institution A and the same color for institution B on the financial tables and on the graphs. Use only line graphs in the charts. Do not use pie charts or any other type of graphic illustration.

10. Once you have inserted the financial table and the line graph for each major account, then write your trend analysis of the particular account in no more than five sentences.

11. Maintain the above described format for each account analyzed.

12. When comparing and analyzing ratios you must insert the ratios for the applicable peer group for all the five (5) periods.

13.  Your analysis should discuss the trend of each bank when compared to the other and the peer group. This is very important to follow for all five periods being analyzed and evaluated.

14. Please do not forget to consult the regulatory agencies websites for any enforcement actions against the financial institutions, especially today with the Bank Secrecy Act Compliance, (Anti-Money Laundering) policies and procedures. Also search the local newspapers for any recent important information on the banks as previously mentioned.

15. The information for rates paid on deposits may be found on the money page of the Sunday or Monday Miami Herald newspaper. Not all bank rates are published, so please contact the banks' websites or call the banks. Commercial and Real Estate loan rates may not be published, as they are individually tailored, according to risk and collateral, so the banks may have to provide you a range of rates. Find out if they lend on Prime Rate, Treasury bill or notes rates or LIBOR base rates. Also determine what is their current prime rate?

16. When you arrive at the decision page, please note the following:

a) In the first case, you are a depositor, meaning you are creditor. You are placing funds for a specific period of time at a specific rate. The fact that a million dollar deposit is not FDIC insured is not an acceptable reason to deny placing the deposit. The analysis is what is important, not the insurance. Is the bank liquid, profitable, operating in a safe and sound manner and of reasonable size for you to deposit that amount?

b) In the second case, you become an investor, a stockholder. What do you expect form this investment? There is no assurance that dividends will be paid, if you want to sell your shares, you may have to find a buyer in the market or sell to another stockholder willing to buy. How much has the share value grown or decreased in value during the in the last few years? What is the book value per share? What is the current market value per share? What kind of dividends have been paid in the past? If it is a new bank or a rapidly growing one, dividends may not be or cannot be paid.

c) In the third case you represent a bank lending funds on a short term basis. Therefore you are a creditor and you are approving someone else's money.