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FDIC Banking Review

Table 4

Banking and Economic Variables Included in Bank Growth Models
Portfolio Changes (current quarter) Peers for Ranking
  • Asset growth
  • All banks
  • Gross loan growth
  • All banks
  • Growth of loans and securities as a percentage of assets
  • All banks
  • Growth of volatile liabilities as a percentage of assets
  • All banks
  • Growth of equity as a percentage of assets
  • All banks
    Portfolio Ratios (current quarter)
  • Loans and securities as a percentage of assets
  • Region & size peers
  • Volatile liabilities as a percentage of assets
  • Region & size peers
  • Equity as a percentage of assets
  • Region & size peers
  • Portfolio concentration (a summary measure)
  • All banks
    Supervisory Variables
  • Initial supervisory rating (composite CAMEL rating)
  • Number of days since last bank examination Economic Variables
  • Change in state unemployment rate: current and previous four quarters
  • Alternatively, state personal-income growth: current and previous four quarters
  • Last Updated 7/25/2003 Questions, Suggestions & Requests