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Federal Reserve Board of Governors

Accessible version of Attachment A tables


Top-tier BHCs that meet tier 1 minimums under the current and proposed rule

By BHC total asset size, Data as of March 31, 2012

 

Current rules (Basel I)
Category >= $500m and < $10b >$10 b Total
Total # top-tier BHCs 877 78 955
Number of BHCs that meet 4% tier 1 minimum today 859 77 936
% of BHCs that meet 4% tier 1 minimum today 98% 99% 98%
Avg $ amount of tier 1 in excess of minimum ($000s) $111,428 $10,479,898  
Avg multiple of tier 1 held / tier 1 required 3.8 3.6  

Proposed rule (Basel III)
Category >= $500m and < $10b >$10 b Total
Total # top-tier BHCs 877 78 955
Number of BHCs that meet 6% tier 1 minimum as proposed 810 74 884
% of BHCs that meet 6% tier 1 minimum as proposed 92% 95% 93%
Average $ amount of tier 1 in excess of minimum ($000s) $71,715 $5,658,259  
Average multiple of tier 1 held / tier 1 required 2.1 1.9  

Top-tier BHCs that do not meet tier 1 minimums under the current and proposed rule

By BHC total asset size, Data as of March 31, 2012

Current rules (Basel I)
Category >= $500m and < $10b >$10 b Total
Total # top-tier BHCs 877 78 955
Number of BHCs that do not meet 4% tier 1 minimum today 18 1 19
% of BHCs that do not meet 4% tier 1 minimum today 2% 1% 2%
Average $ amount of tier 1 shortfall of minimum ($000s) -$34,766 -$497,448  
Aggregate $ amount of tier 1 shortfall of minimum ($000s) -$625,791 -$497,448  

Proposed rule (Basel III)
Category >= $500m and < $10b >$10 b Total
Total # top-tier BHCs 877 78 955
Number of BHCs that do not meet 6% tier 1 minimum as proposed 67 4 71
% of BHCs that do not meet 6% tier 1 minimum as proposed 8% 5% 7%
Average $ amount of tier 1 shortfall of minimum ($000s) -$32,716 -$688,217  
Aggregate $ amount of tier 1 shortfall of minimum ($000s) -$2,191,942 -$2,752,868  

Proposed rule (Basel III) excluding those who fail tier 1 min today
Category >= $500m and < $10b >$10 b Total
Total # top-tier BHCs 877 78 955
Tier 1
Number of BHCs that do not meet 6% tier 1 minimum as proposed 49 3 52
% of total 6% 4% 5%
Average $ amount of tier 1 shortfall of minimum ($000s) -$17,124 -$309,260  
Aggregate $ amount of tier 1 shortfall of minimum ($000s) -$839,087 -$927,781  
Common equity tier 1 (CET1)
Number of BHCs that do not meet 4.5% CET1 minimum as proposed 54 1 55
% of total 6% 1% 6%
Average $ amount of CET1 4.5% shortfall of minimum ($000s) -$15,355 -$21,888  
Aggregate $ amount of CET1 4.5% shortfall of minimum ($000s) -$829,181 -$21,888  
Number of BHCs that do not meet 7% CET1 minimum as proposed 150 8 158
% of total 17% 10% 17%
Average $ amount of CET1 7% shortfall of minimum ($000s) -$23,483 -$752,523  
Aggregate $ amount of CET1 7% shortfall of minimum ($000s) -$3,522,450 -$6,020,186  

Banks that meet tier 1 minimums under the current and proposed rule

By bank total asset size, Data as of March 31, 2012

Current rules (Basel I)
Category < $10b >=$10b Total
Total # banks 7,269 107 7,376
Number of banks that meet 4% tier 1 minimum today 7,213 107 7,320
% of total 99% 100% 99%
Avg $ amount of tier 1 in excess of minimum ($000s) $30,110 $6,055,069  
Avg multiple of tier 1 held / tier 1 required 5.7 4.1  

Proposed rule (Basel III)
Category < $10b >=$10b Total
Total # banks 7,269 107 7,376
Number of banks that meet 6% tier 1 minimum as proposed 7,094 106 7,200
% of total 98% 99% 98%
Average $ amount of tier 1 in excess of minimum ($000s) $24,184 $4,153,418  
Average multiple of tier 1 held / tier 1 required 3.7 2.4  

Banks that do not meet tier 1 minimums under the current and proposed rule

By bank total asset size, Data as of March 31, 2012

Current rules (Basel I)
Category < $10b >=$10b Total
Total # banks 7,269 107 7,376
Number of banks that do not meet 4% tier 1 minimum today 56 0 56
% of total 1% 0% 1%
Average $ amount of tier 1 shortfall of minimum ($000s) -$2,344 $0  
Aggregate $ amount of tier 1 shortfall of minimum ($000s) -$131,254 $0  

Proposed rule (Basel III)
Category < $10b >=$10b Total
Total # banks 7,269 107 7,376
Number of banks that do not meet 6% tier 1 minimum as proposed 175 1 176
% of total 2% 1% 2%
Average $ amount of tier 1 shortfall of minimum ($000s) -$5,303 -$106,263  
Aggregate $ amount of tier 1 shortfall of minimum ($000s) -$928,108 -$106,263  

Proposed rule (Basel III) excluding those who fail tier 1 min today
Category < $10b >=$10b Total
Total # banks 7,269 107 7,376
Tier 1
Number of banks that do not meet 6% tier 1 minimum as proposed 119 1 120
% of total 2% 1% 2%
Average $ amount of tier 1 shortfall of minimum ($000s) -$4,273 -$106,263  
Aggregate $ amount of tier 1 shortfall of minimum ($000s) -$508,437 -$106,263  
Common equity tier 1 (CET1)
Number of banks that do not meet 4.5% CET1 minimum as proposed 59 0 59
% of total 1% 0% 1%
Average $ amount of CET1 4.5% shortfall of minimum ($000s) -$6,694 $0  
Aggregate $ amount of CET1 4.5% shortfall of minimum ($000s) -$394,934 $0  
Number of banks that do not meet 7% CET1 minimum as proposed 187 2 189
% of total 3% 2% 3%
Average $ amount of CET1 7% shortfall of minimum ($000s) -$6,206 -$196,296  
Aggregate $ amount of CET1 7% shortfall of minimum ($000s) -$1,160,524 -$392,592  
Last update: August 2, 2013