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FDIC Banking Review

Table 10.
Reasons for Ratings of 4.5-5.0		 Median Weight Negative Factors
(Weights of 5% or More)		 Positive Factors
(Weights of –5% or Less)		 Medians
Number Percent Number Percent 4.5–5.0 1.5–2.5
Number           800 3,565
Percentage with CAMELS 1 Rating           23.5  53
SCOR Rating           1.77 1.56
REST Rating           4.94 2.06
Construction Loans 73.46 777 97.1 16 2 13.05 0.5
Nonresidential Real Estate Loans 4.37 357 44.6 6 0.8 17 5.17
C&I Loans 4.34 378 47.3 38 4.8 12.6 6.11
Noncore Liabilities 3.75 339 42.4 22 2.8 23.72 13.2
Growth 2.88 248 31 4 0.5 32.08 7.15
Assets 2.03 210 26.3 28 3.5 162,870 62,404
Liquid Assets 1.71 55 6.9 3 0.4 21.39 36.82
Multifamily Housing Loans 0.78 104 13 0 0 0.93 0.07
Loans and Long-Term Securities 0.2 0 0 0 0 79.3 68.57
Provisions for Loan Loss 0.2 4 0.5 0 0 0.25 0.08
1–4 Family Mortgages 0.13 0 0 0 0 14.2 17.98
Agricultural Real Estate Loans 0.12 0 0 0 0 0.06 2.99
Charge-offs 0.08 6 0.8 21 2.6 0.08 0.07
Loans Past Due 30–89 Days 0.02 259 32.4 182 22.8 0.7 0.63
Other Real Estate 0 0 0 45 5.6 0 0
Agricultural Loans 0 0 0 0 0 0 3.28
Loans to Depositories 0 0 0 0 0 0 0
Loans to Municipalities 0 0 0 12 1.5 0 0
Leases 0 0 0 35 4.4 0 0
Credit Card Loans –0.02 0 0 4 0.5 0.09 0
Loans Past Due 90+ Days –0.04 6 0.8 0 0 0.01 0.04
Pretax Income –0.12 34 4.3 42 5.3 1.46 1.47
Nonaccrual Loans –0.13 0 0 42 5.3 0.19 0.11
Equity –0.29 20 2.5 0 0 8.56 10.28
Other Consumer Loans –0.32 2 0.3 0 0 3.51 6.24
Loan-Loss Reserves –0.56 0 0 26 3.3 0.88 0.73

Last Updated 12/16/2003 Questions, Suggestions & Requests