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FDIC Banking Review

Table 1.
Explanatory Variables and Expected Signs for Predicting Nonfailure Versus Failure States
Variable Sign
Capital
Tangible Equity Capital +
Capital Injections:
From BHC +
Outside +
Asset Quality
Past-Due Loans (30 - 89 days) -
Past-Due Loans (90+ days) -
Nonaccrual Loans and Leases -
Other Real Estate Owned -
Allowance for Loan Loss +
Management
Efficiency Ratio -
Earnings
Total Interest Income +
Total Noninterest income +
Total Interest Expense -
Loan-Loss Provision -
Loan Charge-offs -
Expenses on Premises -
Salaries -
Other noninterest expense -
Liquidity
Volatile Liabilities -
Loans + Securities > Five Years +



Last Updated 1/19/2006 Questions, Suggestions & Requests