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Home > Industry Analysis > Research & Analysis > FDIC Banking Review |
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FDIC Banking Review |
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| Table 8 Sample Stress-Test Rating, Hypothetical Bank A |
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| Cert | Charter | ||||
| Found | State | ||||
| Stress | 4.86 | Region | |||
| Field Office | |||||
| CAMELS | SCOR | 1.51 | |||
| Current Data | Weight | |
|---|---|---|
| Assets | 100,000 | 1.87 |
| Growth | 25.42 | 1.66 |
| SCOR Ratios | Weight | Portfolio | Ratio | Weight | |
|---|---|---|---|---|---|
| Equity | 10.2 | 0.94 | Construction | 11.97 | 81.02 |
| Loss Reserves | 0.89 | –0.64 | Nonresidential Real Estate | 18.52 | 6.38 |
| Past Due 30–89 Days | 0.62 | 0.23 | Multifamily | 3.34 | 5.47 |
| Past Due 90+ Days | 0.04 | –0.06 | 1–4 Family | 5.96 | 0.63 |
| Nonaccrual Loans | 0.26 | –0.33 | C&I | 12.56 | 4.71 |
| Other Real Estate | 0 | 0 | Credit Card | 1.07 | –0.64 |
| Charge-offs | 0.08 | 0.22 | Other Consumer | 5.08 | –0.26 |
| Provisions for Loss | 0.18 | 0.11 | Agricultural. Operating | 0.15 | 0 |
| Pretax Income | 1.63 | –0.43 | Agricultural Real Estate | 0.07 | 0.11 |
| Noncore Liabilities | 14.41 | –0.15 | Depository | 0 | 0 |
| Liquid Assets | 36.19 | –0.91 | Municipality | 0 | 0 |
| Loans and Long-Term Securities | 65.98 | 0.07 | Leases | 0 | 0 |
| Last Updated 12/16/2003 | Questions, Suggestions & Requests |