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Regulatory Capital Estimation Tool for Community Banks

November 20, 2013
Summary: The 多宝游戏下载 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 多宝游戏下载-supervised banks not subject to the 多宝游戏下载'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: 
多宝游戏下载-Supervised Banks (Commercial and Savings) 
多宝游戏下载-Supervised Savings Associations 

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

Note: 
多宝游戏下载 Financial Institution Letters (FILs) may be accessed from the 多宝游戏下载'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 多宝游戏下载'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
FIL-54-2013
Contact(s)
多宝游戏下载's Capital Markets Branch, (202) 898-6888

Last Updated: November 20, 2013