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Regulatory Capital Estimation Tool for Community Banks

Capital
November 20, 2013
Summary: The FDIC has made available a regulatory capital estimation tool to help community banks evaluate the potential impact of the recently published interim final capital rule on their capital ratios. Banks can access the regulatory estimation tool at http://www.fdic.gov/regulations/capital/Bank_Estimation_Tool.xlsm .

Statement of Applicability to Institutions with Total Assets Under $1 Billion: This Financial Institution Letter describes a resource that may be useful for smaller, non-complex FDIC-supervised banks not subject to the FDIC's market risk capital rule or the advanced approaches rule.

Highlights:

The regulatory capital estimation tool:
  • Provides a general estimate of a bank's leverage and risk-based capital ratios under the interim final capital rule.
  • Incorporates September 30, 2013, publicly available regulatory reporting data to limit the amount of additional information a bank needs to manually input into the estimation tool.
  • Is not a substitute for a bank's analysis of the impact of the interim final rule on its financial operations for regulatory reporting and capital-planning purposes.
  • Should not be relied on as an indicator of a bank's actual regulatory capital ratios under the interim final capital rule.
Information on the interim final capital rule is available at http://www.fdic.gov/regulations/capital/index.html .

Distribution:
FDIC-Supervised Banks (Commercial and Savings)
FDIC-Supervised Savings Associations

Suggested Routing:
Chief Executive Officer
Chief Financial Officer
Chief Risk Officer

Note:
FDIC Financial Institution Letters (FILs) may be accessed from the FDIC's Web site at www.fdic.gov/news/financial-institution-letters/2013/index.html .

To receive FILs electronically, please visit http://www.fdic.gov/about/subscriptions/fil.html .

Paper copies may be obtained through the FDIC's Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877-275-3342 or 703-562-2200).

Additional Related Topics:

  • Risk-Based Capital Rules
  • 12 CFR Part 325
  • Basel III

Last Updated: November 20, 2013