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FDIC Banking Review

Table 5
SCOR Weights for a Hypothetical Bank
Variable Median-2 Bank Hypothetical Bank
Ratio Ratio Weight
Equity 9.31 13.59 7.16
Loan-Loss Reserves 0.80 1.31 0
Loans Past Due 3089 Days 0.75 2.23 18.56
Loans Past Due 90+ Days 0.1 0.89 10.27
Nonaccrual Loans 0.23 1.51 28.05
Other Real Estate 0 0.45 9.31
Charge-offs 0.13 1.18 4.66
Provisions for Loan Losses and Transfer Risk 0.18 1.28 0
Income before Taxes and Extraordinary Charges 1.38 0.1 29.13
Volatile Liabilities 14.13 25.31 5.24
Liquid Assets 32.34 28.16 1.95
Loans and Long-Term Securities 71.29 68.79 0
SCOR Rating 1.6 2.44  

Last Updated 9/11/2003 Questions, Suggestions & Requests