Bank safety ratings based upon financial institutions’ Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity (CAMELS)

Factor Definition Table

Definition Description
Restructured Loans + Nonaccrual Loans + Real Estate Acquired to Equity Capital + Loan and Lease Allowance The sum of loans and leases which are on nonaccrual + restructured but 30-89 days past due + restructured but over 90 days past due + restructured and in compliance with modified terms and non-investment other real estate owned divided by the sum of total equity capital plus the allowance for possible loan and lease losses.