Statement of Applicability to Institutions with Total Assets Under $1 Billion: This Financial Institution Letter describes a resource that may be useful for smaller, non-complex FDIC-supervised banks not subject to the FDIC's market risk capital rule or the advanced approaches rule.
The regulatory capital estimation tool:
Provides a general estimate of a bank's leverage and risk-based capital ratios under the interim final capital rule.
Incorporates September 30, 2013, publicly available regulatory reporting data to limit the amount of additional information a bank needs to manually input into the estimation tool.
Is not a substitute for a bank's analysis of the impact of the interim final rule on its financial operations for regulatory reporting and capital-planning purposes.
Should not be relied on as an indicator of a bank's actual regulatory capital ratios under the interim final capital rule.