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FDIC Banking Review |
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| Table 1 Matrix Distribution, Risk-Related Premium System (Bank Insurance Fund and Savings Association Insurance Fund Combined, Year-End 2002) |
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| 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 FDIC’s 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 FDIC’s 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. |
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| Last Updated 12/16/2003 | Questions, Suggestions & Requests |
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