What is Bay Banks of Virginia Capital Adequacy Tier - Total Capital Ratio %?
Capital Adequacy Tier - Total Capital Ratio % is the ratio of a bank’s total capital, which includes both Tier 1 capital and Tier 2 capital, to its total risk-weighted assets. It is used to protect depositors and promote the stability and efficiency of financial systems around the world.
Bay Banks of Virginia's Capital Adequacy Tier - Total Capital Ratio % for the quarter that ended in Sep. 2020 was 13.68%
, which is higher than
13.38% for the pervious quarter ended in Jun. 2020.
Bay Banks of Virginia's Capital Adequacy Tier - Total Capital Ratio % for the annual that ended in Dec. 2019 was 16.23%
, which is higher than
13.41% for the pervious year ended in Dec. 2018.
The historical rank and industry rank for Bay Banks of Virginia's Capital Adequacy Tier - Total Capital Ratio % or its related term are showing as below:
BAYK's Capital Adequacy Tier - Total Capital Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Capital Adequacy Tier - Total Capital Ratio % only.
Bay Banks of Virginia Capital Adequacy Tier - Total Capital Ratio % Historical Data
The historical data trend for Bay Banks of Virginia's Capital Adequacy Tier - Total Capital Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
* Premium members only.
Bay Banks of Virginia Capital Adequacy Tier - Total Capital Ratio % Chart
Bay Banks of Virginia (OTCPK:BAYK) Capital Adequacy Tier - Total Capital Ratio % Calculation
Capital Adequacy Tier - Total Capital Ratio % is calculated as
Capital Adequacy Tier - Total Capital Ratio %
=
Total Capital
/
Total Risk Weighted Assets
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bay Banks of Virginia (OTCPK:BAYK) Capital Adequacy Tier - Total Capital Ratio % Explanation
A bank’s total capital includes Tier 1 capital and Tier 2 capital. Tier 1 capital, or core capital, consists of common stock, retained earnings, accumulated other comprehensive income, noncumulative perpetual preferred stock and any regulatory adjustments to those accounts. Tier 1 capital is the capital that is permanently and easily available to cushion losses suffered by a bank without it being required to stop operating.
Tier 2 capital consists of unaudited retained earnings, unaudited reserves and general loss reserves. It is used to absorb losses if a bank loses all its Tier 1 capital, so it provides a lesser degree of protection to depositors and creditors.
Capital Adequacy Tier - Total Capital Ratio % measures the ratio of a bank’s total capital to its total risk-weighted assets. The minimum requirement for the total capital ratio is 10.5% under Basel III standards. This requirement is critical because it makes sure that banks have enough cushion to absorb a reasonable amount of losses before they become insolvent.
Bay Banks of Virginia Capital Adequacy Tier - Total Capital Ratio % Related Terms
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Bay Banks of Virginia (Bay Banks of Virginia) Business Description
Bay Banks of Virginia Inc is a bank holding company. It serves businesses, professionals, and consumers with a wide variety of financial services, including retail and commercial banking, investment services, and mortgage banking. The company products include checking accounts, savings accounts, money market accounts, cash management accounts, certificates of deposit, individual retirement accounts, commercial and industrial loans, residential mortgages, commercial mortgages, home equity loans, consumer installment loans, insurance, credit cards, online banking, telephone banking, and mobile banking.
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