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Adjusted Capital Ratio

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Adjusted Capital Ratio
A ratio of a bank's capital to its total assets. It is calculated by taking the bank's allowance for bad debt and gains on its securities, and subtracting its losses and probable bad debt. The adjusted capital ratio is one way to calculate the bank's capital adequacy.


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0%; -- Premium stability; -- Low unassigned funds to total adjusted capital ratio, which limits the rating to this category; and -- Although the company is a member of AmerUs Life Group, Standard & Poor's believes that this relationship is not a significant rating factor.
1% in 1997; -- Operating performance, measured by earnings adequacy ratio of 82%, is adequate for this rating category; -- Premium stability is viewed as an issue; -- Unassigned funds to total adjusted capital ratio is considered low and therefore limits the rating to this category; and -- Although the company is a member of AmerUs Life Group, Standard & Poor's believes that this relationship is not a significant rating factor.
While these sizable charge-offs are severe, Fitch expects IBJ to maintain its risk adjusted capital ratio above the 8% threshold.
 
 
 
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