|
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
|
