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Last Post: 10/25/2010 11:29:37 AM - Followers: 14 - Board type: Free - Posts Today: 0

Hank's portfolio of Small Banks...
Return on eguity must be > 7.75%
Return on assets must be > .5%**
Asset Growth must be positive...
Income growth rates > 
Diluted EPS growh rate > 

Efficiency Ratio  improving...If above 0.56% (improvement over previous period must be at least 0.04%..)

Is a ratio used to calculate a bank's efficiency.
Non-interest expense divided by net interest income plus non interest income less interest expense.

Investopedia Says: However the ratio is calculated, its purpose is to evaluate the overhead structure

of a financial institution. Banking is no different from any mature industry - the surviving companies are those that keep costs down. The efficiency ratio gives us a measure of how effectively a bank is operating. Efficiency is usually a decent measure of profitability.

Increase in income from sources other than interest growth >

**BASED ON EQUITY,,LESS ANY NEW EQUITY FUNDING DURING THE PREVIOUS 12 MONTHS...
 

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PostSubject
#358   Hank... I couldn't reply to your PM. Would russo123 10/25/10 11:29:37 AM
#357   SVBI..$3.53.. Profitable Third Quarter 10 bagger 10/15/10 12:34:19 PM
#356   NIDB.. $10.75 10 bagger 10/15/10 12:31:21 PM
#355   No additions during the past month.. hank 10 bagger 08/05/10 10:40:50 PM
#354   MLGF.. $16.50 10 bagger 06/25/10 08:18:41 AM
#353   MLGF... $13.35 10 bagger 04/29/10 12:55:24 PM
#352   GECR..$7.50 Georgia-Carolina Bancshares Announces Increase in 2010 First Quarter 10 bagger 04/28/10 03:02:34 PM
#351   FPBF $30.25 bid.. 10 bagger 04/22/10 02:36:22 PM
#350   NEW YORK, April 5, 2010 /PRNewswire via COMTEX/ Stock 04/05/10 08:27:04 AM
#349   GEBD.. $0.35 2008 filings.. 10 bagger 02/11/10 10:46:22 AM
#348   MLGF.. $12.45 10 bagger 02/05/10 12:34:45 AM
#347   GECR.. $7.25 10 bagger 01/27/10 09:27:17 PM
#346   NIDB.OB That is what I'm worried about, although as SSKILLZ1 01/27/10 02:09:02 PM
#345   re NIDB: good point on the divi...duh Knowledge is King 01/27/10 02:03:14 PM
#344   NIDB.OB Well I'm worried about the number but you SSKILLZ1 01/27/10 01:59:53 PM
#343   re NIDB: 12/09 book $18.66; 9/09 book $18.60 Knowledge is King 01/27/10 12:56:16 PM
#342   re CVLY: thanks to 10bagger and SSK for Knowledge is King 01/26/10 05:28:30 PM
#341   CVLY..$5.65............. "CVLY was funded primarily by an increase in 10 bagger 01/26/10 02:17:57 PM
#340   KIK, (On CVLY) I know I'm not 10bagger, SSKILLZ1 01/26/10 01:53:46 PM
#339   Bought a few CVLY @ $5.50 today... Knowledge is King 01/26/10 01:09:52 PM
#338   CRBC - Put this one on your watchlist cws9 01/26/10 12:24:59 PM
#337   CATC.. $30.00 10 bagger 01/26/10 12:02:59 PM
#336   TCBI.. $15.20 10 bagger 01/25/10 01:36:41 PM
#335   PRSP..Growth,, Location.. 10 bagger 01/25/10 12:27:40 PM
#334   WEFP.. $18.00.. Book value per share 10 bagger 01/21/10 12:16:35 PM
#333   Most Small Banks are reporting fantastic earnings.. hank 10 bagger 01/21/10 12:02:39 PM
#332   MLGF.. $12.90 10 bagger 12/21/09 03:40:52 PM
#331   FPBF..$23.74..-$2.09.. This is one inexpensive Small Bank with a 10 bagger 12/10/09 11:31:53 AM
#329   SPUR..ALERT...??? 10 bagger 12/04/09 02:29:46 PM
#327   EBMT.. $29.15 10 bagger 12/03/09 08:52:46 AM
#326   Here's a good look at GA banking situation Knowledge is King 12/02/09 01:25:17 PM
#325   Current List of Small Banks owned.. 10 bagger 12/02/09 08:33:13 AM
#324   GECR,, $6.94 10 bagger 12/01/09 06:05:46 PM
#323   WFSC,, $3.69 Shareholders Equity $8.29.. 10 bagger 11/25/09 08:33:21 AM
#322   FPBF..$28.60 The cheapest bank in the US..??? 10 bagger 11/20/09 02:28:18 PM
#321   CATC.. 429.75 10 bagger 11/17/09 09:43:52 AM
#320   IBOC..$15.42 Not a small bank but has the proper 10 bagger 11/05/09 11:44:20 AM
#319   SBSI.. $21.16 10 bagger 11/02/09 02:40:25 PM
#318   IBC.. $15.74.. Not a small bank but it 10 bagger 11/02/09 02:37:11 PM
#317   NIDB.. Div increase.. 10 bagger 10/30/09 11:46:55 AM
#316   CATC.. Added Again @ $28.00 10 bagger 10/28/09 11:32:15 AM
#315   CIBN.. $4.00 10 bagger 10/27/09 04:44:26 PM
#314   FPBF..$ 28.00 10 bagger 10/27/09 02:05:03 PM
#313   CIBN.. $4.00 X $47.50 10 bagger 10/27/09 11:23:57 AM
#312   FPBF.. $27.00 X $35.00 10 bagger 10/27/09 11:12:28 AM
#311   UBOH.. $10.42.. 10 bagger 10/22/09 03:46:38 PM
#310   WEFP..$18.80..Earnings.. WEFP hits earnings out of the Park.. 10 bagger 10/21/09 01:25:24 PM
#309   CATC.. $28.90.. 10 bagger 10/21/09 11:51:41 AM
#308   MVLY.. $6.00 10 bagger 10/21/09 09:55:01 AM
#307   CATC.. $26.75.. 10 bagger 10/20/09 01:13:57 PM
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