Regulatory Capital Estimation Tool for Community Banks

The federal bank regulatory agencies today released an estimation tool to help community banks understand the potential effects of the recently revised regulatory capital framework on their capital ratios.The revised framework implements the Basel III regulatory capital reforms and certain changes required by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The estimation tool is available at: www.fdic.gov/regulations/capital/Bank_Estimation_Tool.xlsm.

An earlier version of the Estimation Tool, based upon the proposed version of the Capital Rule, was made available by the Agencies in 2012.  The Agencies noted that the Estimation Tool is intended to be useful for smaller, non-complex banks. The estimation tool is not part of the revised capital framework and not a component of regulatory reporting. Results from the tool are simplified estimates that may not precisely reflect banks’ actual capital ratios under the framework. Additionally, banks should be aware that the estimation tool requires certain manual inputs that could have meaningful effects on results and should reference the revised capital framework when using the estimation tool.

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