304 Bank

This occupancy also includes savings and loan institutions where the design is similar to a bank. Exteriors have some ornamentation at all quality levels with the better qualities using stone, ornamental concrete, brick and/or solar glass. The interiors have plaster or drywall with special detailing in some areas. There are some office and storage areas. The office area may be open and located in the same general area as the main banking services. Floor finishes usually are terrazzo, carpet, vinyl composition tile or vinyl sheet flooring. These buildings have drive-up windows, night depositories, surveillance systems and vaults.

Restroom interiors of the higher quality levels are tiled and have high quality commercial fixtures. Lighting is usually recessed fluorescent fixtures.

The following are not included in the costs: Vault doors, banking equipment, safe deposit boxes or exterior canopies and yard improvements.

Availability of Elevators by Area for this occupancy: Yes

Marshall Valuation Service sections: 15 and 45.

Typical Lives:

					Class
Quality	A	B	C	D	H	M	P	S	W
Low	50	50	45	40	--	--	--	40	--
Average	55	55	50	45	--	--	--	45	--
Good	60	60	55	50	--	--	--	50	--
Excellent	60	60	55	50	--	--	--	50	--

Quality Selection Guide:

Class A (Fireproof Structural Steel Frame)

Quality	Exterior Walls	Interior Finish	Mechanicals	HVAC
Low	Brick, concrete, little or no trim	Plaster or drywall, vinyl composition, some carpet and pavers	Adequate lighting, minimum restroom facilities	Hot and chilled water (zoned)
Average	Good brick, ornamental concrete, good glass, limestone trim	Plaster or drywall, good detail, terrazzo, carpet, vinyl tile	Good lighting and outlets, adequate restrooms	Hot and chilled water (zoned)
Good	Highly ornamental, marble, granite, mosaics, best glass	Plaster or drywall, paneling, marble, terrazzo, carpet	Good fluorescent ceiling panels, good outlets, tiled restrooms	Hot and chilled water (zoned)

Class B: Reinforced Concrete Frame

Quality	Exterior Walls	Interior Finish	Mechanicals	HVAC
Low	Brick, concrete, little or no trim	Plaster or drywall, vinyl composition, some carpet and pavers	Adequate lighting, minimum restroom facilities	Hot and chilled water (zoned)
Average	Good brick, ornamental concrete, good glass, limestone trim	Plaster or drywall, good detail, terrazzo, carpet, vinyl tile	Good lighting and outlets, adequate restrooms	Hot and chilled water (zoned)
Good	Highly ornamental, marble, granite, mosaics, best glass	Plaster or drywall, marble, terrazzo, carpet	Good fluorescent ceiling panels, good outlets, tiled restrooms	Hot and chilled water (zoned)

Class C (Masonry Bearing Walls)

Quality	Exterior Walls	Interior Finish	Mechanicals	HVAC
Low	Low-cost brick, block, tilt-up, small entrance, little trim	Exposed exterior walls, acoustic ceilings, asphalt tile	Minimum bank lighting & plumbing	Package A.C.
Average	Brick, block, good store-type front with some trim	Some plaster, acoustic tile, some terrazzo or tile, vinyl composition	Adequate lighting and outlets, adequate restrooms, TV circuits	Package A.C.
Good	Face brick or stone, good metal or concrete and glass panels	Plaster or drywall, paneling, vinyl and carpeting	Good lighting & plumbing, tiled restrooms, TV circuits	Warm and cool air (zoned)
Excellent	Marble or granite, bronze and solar glass, highly ornamental	Plaster and paneling, vinyl wall finishes, carpeting, terrazzo	Best lighting & closed circuit TV, quality restrooms & plumbing	Hot and chilled water (zoned)

Class D (Wood or Steel Framed Exterior Walls)

Quality	Exterior Walls	Interior Finish	Mechanicals	HVAC
Low	Stucco or siding, minimum ornamentation	Drywall, acoustic tile, vinyl composition tile, few partitions	Minimum bank lighting & plumbing	Package A.C.
Average	Brick veneer, good stucco or siding, some ornamentation	Plaster or drywall, good hardwood, low-cost terrazzo, vinyl composition	Adequate lighting and outlets, adequate restrooms	Package A.C.
Good	Brick veneer, metal and glass panels, EIFS, ornamental finishes	Plaster or drywall, some paneling, vinyl and carpeting	Good lighting & plumbing, tiled restrooms	Warm and cool air (zoned)
Excellent	Stone or face brick veneer, good metal and glass panels	Plaster and paneling, vinyl wall finishes, carpeting, terrazzo	Best lighting & closed circuit TV, quality restrooms & plumbing	Hot and chilled water

Class S (Metal Frame and Walls)

Quality	Exterior Walls	Interior Finish	Mechanicals	HVAC
Low	Metal panels, drywall interior, insulated	Drywall, acoustic tile, vinyl composition, few partitions	Minimum bank lighting & plumbing	Package A.C.
Average	Sandwich panels, adequate fenestration	Drywall, acoustic, vinyl composition, some pavers or ceramic	Adequate lighting and outlets, adequate restrooms	Package A.C.
Good	Sandwich panels, brick trim, good fenestration	Drywall, some trim, carpet, vinyl, acoustic tile	Good lighting & plumbing, tiled restrooms	Package A.C.