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FDIC Banking Review

Table 1
Matrix Distribution, Risk-Related Premium System
(Bank Insurance Fund and Savings Association Insurance Fund Combined, Year-End 2002)
Capital Subgroupa Supervisory Subgroupb
A
(CAMELS 1 or 2)
B
(CAMELS 3)
C
(CAMELS 4 or 5)
1-Well Capitalized 8,583
91.7%
523
5.6%
115
1.2%
2-Adequately Capitalized 113
1.2%
17
0.2%
14
0.1%
3-Undercapitalized 1
0.0%
0
0.0%
6
0.1%

Note: Figures in cells refer to number of institutions and percentage of all FDIC-insured institutions.

a Assignments to capital subgroups are made in accordance with section 3274(a) (1) of the FDICís Rules and Regulations Well capitalized means a total risk-based capital ratio that equals or exceeds 10 percent, a Tier-1 risk-based capital ratio that equals or exceeds 6 percent, and a Tier-1 leverage capital ratio that equals or exceeds 5 percent Adequately capitalized means not well capitalized and a total risk-based capital ratio that equals or exceeds 8 percent, a Tier-1 risk-based capital ratio that equals or exceeds 4 percent, and a Tier-1 leverage capital ratio that equals or exceeds 4 percent Undercapitalized means neither well capitalized nor adequately capitalized.

b Assignments to supervisory subgroups are made in accordance with section 3274 (a) (2) of the FDICís Rules and Regulations Subgroup A consists of financially sound institutions that have only a few minor weaknesses; this subgroup generally corresponds to the primary federal regulator's composite CAMELS rating of 1 or 2 Subgroup B consists of institutions with demonstrable weaknesses that, if not corrected, could lead to a significant deterioration of the institution and an increased risk of loss to the relevant insurance fund; this subgroup generally corresponds to the primary federal regulator's composite CAMELS rating of 3 Subgroup C consists of institutions that pose a substantial probability of loss to the relevant insurance fund unless effective corrective action is taken This subgroup generally corresponds to the primary federal regulator's composite CAMELS rating of 4 or 5.

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