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You are a bank examiner for the Office of the Comptroller of the Currency. You have just inspected the books of the First National Bank

You are a bank examiner for the Office of the Comptroller of the Currency. You have just inspected the books of the First National Bank of Northridge, and you find that its Tier 1 risk-based capital ratio is at 4,8%. First National is considered:

  1. Well capitalized.
  2. Adequately capitalized.
  3. Undercapitalized.
  4. Significantly undercapitalize
  5. Critically undercapitalized.

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