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FDIC Banking Review

Table 9
Sample Stress-Test Rating, Hypothetical Bank B
Cert   Charter  
Found   State  
Stress 4.88 Region  
    Field Office  
CAMELS 2 SCOR 1.51
Current Data   Weight
Assets 500,000 7.6
Growth 40.37 3.69
SCOR Ratios     Portfolio Ratio Weight
Equity 7.61 –1.65 Construction 0 –10.27
Loss Reserves 0.94 –0.90 Nonresidential Real Estate 43.7 21.33
Loans Past Due 30–89 Days 0.1 –6.55 Multifamily 43.32 74.07
Loans Past Due 90+ Days 0 –0.16 1–4 Family 0.94 0.89
Nonaccrual Loans 0.05 0.35 C&I 0 –8.66
Other Real Estate 0 0 Credit Card 0 0.04
Charge-offs 0.02 0.91 Other Consumer 0 –1.35
Provisions for Loss 0.24 0.23 Agricultural. Operating 0 0
Pretax Income 2.24 –2.61 Agricultural Real Estate 0 0.11
Noncore Liabilities 37.65 16.74 Depository 0 0
Liquid Assets 12.27 6.35 Municipality 0 0
Loans and Long-Term Securities 87.33 –0.16 Leases 0 0

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