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FDIC Banking Review
Figure 7 Percentage of Young Banks Rated 4 or Worse |
| Date |
Exam rating |
REST rating |
| 3/86 |
11.11 |
78.57 |
| 6/86 |
10.37 |
69.24 |
| 9/86 |
12.25 |
65.16 |
| 12/86 |
12.96 |
64.74 |
| 3/87 |
13.74 |
55.36 |
| 6/87 |
13.81 |
52.65 |
| 9/87 |
13.58 |
47.63 |
| 12/87 |
14.00 |
47.63 |
| 3/88 |
14.14 |
43.99 |
| 6/88 |
14.56 |
42.16 |
| 9/88 |
14.22 |
37.57 |
| 12/88 |
14.25 |
38.42 |
| 3/89 |
14.45 |
35.66 |
| 6/89 |
15.70 |
37.34 |
| 9/89 |
15.79 |
39.48 |
| 12/89 |
16.74 |
43.97 |
| 3/90 |
17.46 |
42.44 |
| 6/90 |
16.13 |
45.52 |
| 9/90 |
16.68 |
44.69 |
| 12/90 |
16.53 |
45.21 |
| 3/91 |
17.27 |
41.41 |
| 6/91 |
18.88 |
42.79 |
| 9/91 |
18.87 |
36.79 |
| 12/91 |
17.95 |
33.87 |
| 3/92 |
16.84 |
29.36 |
| 6/92 |
15.04 |
27.74 |
| 9/92 |
13.95 |
26.33 |
| 12/92 |
11.47 |
22.82 |
| 3/93 |
10.76 |
20.93 |
| 6/93 |
9.43 |
21.52 |
| 9/93 |
8.73 |
21.35 |
| 12/93 |
7.15 |
21.55 |
| 3/94 |
6.24 |
25.10 |
| 6/94 |
5.29 |
24.18 |
| 9/94 |
5.29 |
27.49 |
| 12/94 |
4.41 |
27.40 |
| 3/95 |
3.79 |
28.78 |
| 6/95 |
3.24 |
29.18 |
| 9/95 |
2.53 |
29.29 |
| 12/95 |
1.94 |
33.27 |
| 3/96 |
1.62 |
29.84 |
| 6/96 |
1.52 |
33.84 |
| 9/96 |
1.16 |
36.78 |
| 12/96 |
1.21 |
39.13 |
| 3/97 |
1.00 |
39.55 |
| 6/97 |
0.26 |
41.93 |
| 9/97 |
0.27 |
41.54 |
| 12/97 |
0.26 |
44.65 |
| 3/98 |
0.00 |
44.71 |
| 6/98 |
0.26 |
45.86 |
| 9/98 |
0.50 |
50.25 |
| 12/98 |
0.74 |
47.93 |
| 3/99 |
1.16 |
53.38 |
| 6/99 |
1.34 |
58.39 |
| 9/99 |
1.49 |
55.72 |
| 12/99 |
1.37 |
57.58 |
| 3/00 |
1.70 |
59.66 |
| 6/00 |
1.39 |
60.87 |
| 9/00 |
0.80 |
59.52 |
| 12/00 |
1.03 |
64.06 |
| 3/01 |
0.69 |
64.65 |
| 6/01 |
0.78 |
64.68 |
| 9/01 |
1.09 |
67.71 |
| 12/01 |
1.87 |
70.24 |
| 3/02 |
2.24 |
70.34 |
| 6/02 |
2.49 |
73.47 |
| 9/02 |
2.33 |
70.51 |
| 12/02 |
2.02 |
72.58 |
| 3/03 |
2.12 |
66.81 |
| 6/03 |
2.23 |
71.55 |
| 9/03 |
1.90 |
68.42 |
| 12/03 |
2.02 |
68.79 |
| 3/04 |
1.72 |
71.43 |
| 6/04 |
1.29 |
73.01 |
| 9/04 |
1.31 |
71.47 |
| 12/04 |
1.33 |
76.80 |
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