Minimum capital requirements.

CFR · 2024-01-01 · US · Title 12

(a) (i) A common equity tier 1 capital ratio of 4.5 percent. (ii) A tier 1 capital ratio of 6 percent. (iii) A total capital ratio of 8 percent. (iv) A leverage ratio of 4 percent. (v) For advanced approaches FDIC-supervised institutions or for Category III FDIC-regulated institutions, a supplementary leverage ratio of 3 percent. (vi) For state savings associations, a tangible capital ratio of 1.5 percent. (2) A qualifying community banking organization (as defined in § 324.12), that is subject to the community bank leverage ratio framework (as defined in § 324.12), is considered to have met the minimum capital requirements in this paragraph (a). (b) (1) (2) (3) (4) (5) (ii) As of January 1, 2015, a state savings association's tangible capital ratio is the ratio of the state savings association's core capital (tier 1 capital) to total assets. For purposes of this paragraph, the term total assets shall have the meaning provided in § 324.401(g). (c) (i) The mean of the on-balance sheet assets calculated as of each day of the reporting quarter; and (ii) The mean of the off-balance sheet exposures calculated as of the last day of each of the most recent three months, minus the applicable deductions under § 324.22(a), (c), and (d). (2) For purposes of this part, (i) The balance sheet carrying value of all of the FDIC-supervised institution's on-balance sheet assets, (ii)(A) For an FDIC-supervised institution that uses the current exposure methodology under § 324.34(b) for its stan

official document · source cfr-2024 · id 12:§ 324.10