Skip to main content
U.S. flag
An official website of the United States government
Dot gov
The .gov means it’s official. 
Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.
Https
The site is secure. 
The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely.
Bank Examinations

Figure 1.

Figure 1.

This graph is titled Basel II Sharply Lowers Insured Bank Capital Requirements Conflicts with Prompt Corrective Action Standards. The y axis on the left side of the graph is labeled Tier 1 Capital to Be Well Capitalized (% Average Assets) The 1% percent intervals range from 0.0% to 5.0%. On the far left are five captions that start (from the bottom) at the 1.0% line, which is Critically Undercapitalized; 2.0% is Significantly Undercapitalized; 3.0% is Undercapitalized; 4.0% is Adequately Capitalized; 5.0% is Well Capitalized. There are two columns in the middle of the graph. The first is Current Risk-Based Requirement" and the second is QIS-4 Requirement. Twenty-six dots appear under each column, one for each QIS-4 banking organization. Each dot represents the insured bank totals within the organization. In the first column, the dots cluster between 4.0% (Adequately Capitalized) and 5.0% (Well Capitalized).

Last Updated: July 24, 2024