CA Fin Code Section 1150


In determining for purposes of this division whether the shareholders’ equity of a bank or of a proposed bank is adequate, the commissioner shall consider:

(a)

The nature and volume of the business of the bank;

(b)

The amount, nature, quality, and liquidity of the assets of the bank;

(c)

The amount and nature of the liabilities (including, but not limited to, any capital notes or debentures and any contingent liabilities) of the bank;

(d)

The amount and nature of the fixed charges of the bank;

(e)

The history of, and prospects for, the bank to earn and retain income;

(f)

The quality of the operations of the bank;

(g)

The quality of the management of the bank;

(h)

The nature and quality of the ownership of the bank; and

(i)

Such other factors as are in the opinion of the commissioner relevant.
Last Updated

Aug. 19, 2023

§ 1150’s source at ca​.gov