What does it mean to be a five star rated bank?

	Superior (These institutions are on BauerFinancial's Recommended Report.)
	Excellent (These institutions are also on BauerFinancial's Recommended Report.)
	Good (Banks only)
	Adequate
	Problematic
	Troubled

Ann Arbor State Bank received its five star Superior rating from BAUERFINANCIAL, INC. Financial data is compiled for U.S. banks from reports that are required by federal regulators.

All banks are subject to federal regulatory capital requirements, but those requirements vary among institutions and are dependent on many factors. The rating is based on a bank’s profitability, the quality of its loan portfolio and liquidity. BAUERFINANCIAL, INC also evaluates a bank’s investments, and regulatory agreements and makes a forecast for risk of loss involved with the sale of securities and troubled assets, making this rating both comprehensive and dependable. For more information, you can visit: www.bauerfinancial.com