1) Highlights Reports are designed for anyone who wants to see how an individual institution has fared over the course of the year. The Highlights Report provides five quarters of highlights side by side so you can easily see if an institution is improving, maintaining or struggling with its rating. Also included on the Highlights Report are: So that: • opening date and number of branches • you can see if it is an established institution • phone number and web site address when available • you can contact the institution instantly • asset size • you know how big it is • profitability data • you can see if it is making money • capital ratios • you can compare them to regulatory minimums You get all this for just $10 for the first institution and $4 for each additional bank or credit union on the same order. (See a sample Credit Union Highlights Report)  (See a sample Bank Highlights Report) 2) Summary Reports also include five quarters of data and are designed for people who want more information than what is available on the Highlights Report but do not need detailed explanations or peer group comparisons. The Summary Report Includes: So that: • everything that is on the Highlights Report • see above • delinquent loan information • you can see if past due loans are going up or down(increases in delinquencies are often a predictor of trouble) • capital levels • You can see what type of cushion the institution has between what it owes and what it owns • return on assets (ROA) and return on equity (ROE) • you can compare different measures of profitability You get all this for just $20 per institution.  (See a sample Credit Union Summary Report)  (See a sample Bank Summary Report) 3) Analytical Reports are designed for people who want more complete data for the specified quarter along with detailed explanations in plain English of what it all means. The Analytical Report is an accurate snapshot of what the institution looked like at a specific point in time. This 6-page report is available for just $20 more than the Summary Report. In addition to Financial Statements,the Analytical Report Includes: So that: • a variety of ratios • you get a complete picture of the institution • peer group comparisons • you can easily see how the institution is performing compared to other institutions of a similar size • regulatory minimum requirements • you can see if it meets or exceeds government requirements • plain English explanations • you can understand the entire report even if you have never seen a financial statement before You get all this for just $40 per institution.  (See a sample Credit Union Analytical Report)  (See a sample Bank Analytical Report) 4) LLAMAS Reports are BauerFinancial's answer to the CAMELS call and are designed for anyone who wants it all. While CAMELS ratings are confidential, our LLAMAS report is a combination Summary Report + Analytical Report. It provides the best of both worlds by giving you a Summary Report to show you trends over time and an Analytical Report to give a detailed analysis of the institution at a specific point in time. All for just $9 more than the Analytical Report alone. You get all this for just $49 per institution. (a combination package of the Summary and Analytical Reports. See above for samples.)