CAMELS Analysis — RegLens

Bank Financial Data

Institution

Bank Name *

RSSD ID

Report Date

C — Capital Adequacy

Total Risk-Based Capital Ratio (%)

Tier 1 Capital Ratio (%)

Leverage Ratio (%)

CET1 Ratio (%)

Total Capital ($)

Total Assets ($)

A — Asset Quality

NPL Ratio (%)

NPA / Total Assets (%)

Net Charge-Off Rate (%)

Loan Loss Reserve / NPLs (%)

CRE Concentration (%)

Loans / Assets (%)

M — Management

Efficiency Ratio (%)

OpEx / Avg Assets (%)

Regulatory Actions / Enforcement Orders

E — Earnings

ROA (%)

ROE (%)

Net Interest Margin (%)

Net Income ($)

L — Liquidity

Loans / Deposits (%)

Liquid Assets / Total Assets (%)

Core Deposits / Total Deposits (%)

Brokered Deposits / Total Deposits (%)

S — Sensitivity to Market Risk

Investment Securities / Total Assets (%)

NII Change (+200bps) (%) Negative = earnings decrease under rising rates

AFS Unrealized Gains/Losses ($)

Duration of Equity (years)

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Assessment Results

COMPOSITE RATING

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Examiner Summary

Key Findings

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