Ohio Revised Code
Chapter 1107 | State Banks - Capital and Securities
Section 1107.03 | Evaluating Adequacy of Bank's Capital.

Effective: January 1, 2018
Latest Legislation: House Bill 49 - 132nd General Assembly
No state bank shall operate without adequate capital as determined by the superintendent of financial institutions. In evaluating the adequacy of a state bank's capital, the superintendent may consider any of the following:
(A) The nature and volume of the bank's business;
(B) The amount, nature, quality, and liquidity of the bank's assets;
(C) The amount and nature of the bank's liabilities, including those that are not presently due or are contingent;
(D) The amount and nature of the bank's fixed costs;
(E) The history of and prospects for the bank to earn and retain income;
(F) The quality of the bank's operations, including risk management;
(G) The quality of the bank's management;
(H) The nature and quality of the bank's ownership;
(I) Any other factor the superintendent finds to be relevant under the circumstances.

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