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| Asset Concentration Hierarchy |
| An indicator of an institution’s primary specialization in terms of asset concentration. Note: (Groups are hierarchical and mutually exclusive): 1 - International Specialization – Institutions with assets greater than $10 billion and more than 25 percent of total assets in foreign offices. 2 - Agricultural Specialization – Banks with agricultural production loans plus real estate loans secured by farmland in excess of 25 percent of total loans and leases. 3 - Credit-card Specialization – Institutions with credit-card loans plus securitized receivables in excess of 50 percent of total assets plus securitized receivables. 4 - Commercial Lending Specialization – Institutions with commercial and industrial loans, plus real estate construction and development loans, plus loans secured by commercial real estate properties in excess of 25 percent of total assets. 5 - Mortgage Lending Specialization – Institutions with residential mortgage loans, plus mortgage-backed securities, in excess of 50 percent of total assets. 6 - Consumer Lending Specialization – Institutions with residential mortgage loans, plus credit-card loans, plus other loans to individuals, in excess of 50 percent of total assets. 7 - Other Specialized < $1 Billion – Institutions with assets less than $1 billion and with loans and leases are less than 40 percent of total assets. 8 - All Other < $1 Billion – Institutions with assets less than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations. 9 - All Other > $1 Billion – Institutions with assets greater than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations. |
| Last Updated: 2/8/2008 | Questions, Suggestions & Requests |
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