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41 Cards in this Set
- Front
- Back
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Category 1: 0% Risk-Weighting
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1) Cash
2) Due From Federal Reserve 3) Direct claims and claims implicitly guaranteed by the U.S. Government and its agencies • Includes: GNMA, U.S. Treasury Securities, Federal Reserve Stock |
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Category 2: 20% Risk Weighting
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1) Due From and Due To bank accounts
2) Loans secured by Certificates of Deposit or other cash instruments 3) Cash items in process of collection 4) Claims on U.S.-sponsored agencies • Includes FHLMC, FNMA, Farm Credit System, Federal Home Loan Bank System, and SLMA 5) Claims conditionally guaranteed by U.S. agencies (Includes VA and FHA) 6) General obligation claims on states and political subdivisions of the United States • Bondholder is secured by the unrestricted power to levy and collect taxes for the payment of debt service |
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Category 3: 50% Risk Weighting
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1) Loans fully secured by first liens on 1-4 family or multifamily residential properties
2) Privately-issued, mortgage-backed securities (including collateralized mortgage obligations 3) Revenue bonds of states and political subdivisions; a bondholder’s power to levy and collect taxes for the payment of debt service may be restricted |
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Category 4: 100% Risk-Weighting
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This category includes all assets not specifically assigned elsewhere, including:
1) Loans to Bank Holding Companies and any non-depository financial institution 2) Customer liability to bank on banker’s acceptances • Applies to commercial letters of credit that have been funded by the bank in the name of a customer 3) Equity Securities and Corporate Debt Securities 4) Most Commercial and Consumer Loans 5) Real Estate Loans except those secured by 1-4 Family or Multifamily Residential Properties |
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Cash
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0%
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Due From Federal Reserve
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0%
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Direct claims and claims implicitly guaranteed by the U.S. Government and its agencies
• Includes: GNMA, U.S. Treasury Securities, Federal Reserve Stock |
0%
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Due from central banks in other OECD countries
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0%
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Overpayment of income tax to the IRS
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0%
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US Agencies - GNMA, FHA, SBA, OPIC, Exim Bank
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0%
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Federal Reserve bank stock
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0%
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US Treasuries
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0%
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Due From and Due To bank accounts
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20%
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Loans secured by Certificates of Deposit or other cash instruments
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20%
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Cash items in process of collection
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20%
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Claims on U.S.-sponsored agencies
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20%
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Claims conditionally guaranteed by U.S. agencies (Includes VA and FHA)
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20%
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General obligation claims on states and political subdivisions of the United States
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20%
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Claims on FHLB, FHLMC, FNMA, TVA, etc.
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20%
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GO Municipals
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20%
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Municipal Revenue bond guaranteed by a US bank
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20%
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Mortgage-back securities
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50%
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1st REM 1-4 family or multi-family loans
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50%
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Revenue bonds
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50%
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Loans to Bank Holding Companies and any non-depository financial institution
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100%
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commercial letters of credit that have been funded by the bank in the name of a customer
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100%
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Equity Securities and Corporate Debt Securities
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100%
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Most Commercial and Consumer Loans
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100%
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Real Estate Loans except those secured by 1-4 Family or Multifamily Residential Properties
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100%
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Premises & Fixed Assets
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100%
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Goodwill
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100%
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Mortgage servicing rights
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100%
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FNMA bonds
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20%
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GNMA bonds
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0%
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FHA bonds
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0%
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SBA bonds
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0%
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OPIC
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0%
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Exim Bank
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0%
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FHLB bonds
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20%
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FHLMC bonds
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20%
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TVA bonds
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20%
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