Minimum Capital Requirements across Capital Categories

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Presentation transcript:

Summary of Risk Categories and Risk Weights for Risk-based Capital Requirements

Minimum Capital Requirements across Capital Categories

Regional National Bank (RNB), Risk-based Capital (Millions Of Dollars): Category 1 & 2

Regional National Bank (RNB), Risk-based Capital (Millions Of Dollars): Category 3 & 4

Regional National Bank (RNB), Risk-based Capital (Millions Of Dollars): Off Balance Sheet

Regional National Bank (RNB), Off-balance Sheet Conversion Worksheet

Risk-based Capital Ratios For Different-sized U. S Risk-based Capital Ratios For Different-sized U.S. Commercial Banks, 1995–2004

Provisions for Prompt Corrective Action

How much is “enough” capital? A “well capitalized” bank: ≥ 5% Core (leverage) capital ≥ 6% Tier 1 risk-based capital ≥ 10 % total risk-based capital Clearly, additional capital is needed for higher risk assets and future growth. Source: FDIC

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