Table 2
SCOR Variables and Ratios for a Hypothetical Bank |
| SCOR Variable |
Percentage of Total Assets |
| Equity |
13.59 |
| Loan-Loss
Reserves |
1.31 |
| Loans Past Due 30–89 Days |
2.23 |
| Loans Past Due 90+ Days |
0.89 |
| Nonaccrual Loans |
1.51 |
| Other Real Estate |
0.45 |
| Charge-offs* |
1.18 |
| Provisions for Loan Losses and Transfer Risk* |
1.28 |
| Income before Taxes and Extraordinary Charges* |
0.1 |
| Volatile Liabilities |
25.31 |
| Liquid Assets |
28.16 |
| Loans and Long-Term Securities |
68.79 |
| *Flow variables. These variables are lagging 12-month totals and have been adjusted for mergers. |
