The below graphs are derived from data collected from Steve H. Powell & Company clients during the Third Quarter of 2023.
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The above graph shows the dispersion of problem assets as a percentage of total assets. A traditional benchmark for significant asset quality concern is adversely graded assets that exceed 10% of total assets.
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A traditional benchmark for significant asset quality concern is adversely graded loans that exceed 10% of total loans.
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Our sample group includes no clients with problem assets that exceed 80% of tier-one capital plus loan loss reserve – a level normally associated with some form of formal regulatory action.
Additionally, our sample includes no clients with problem assets exceeding 60% of tier-one capital plus loan loss reserve. This number compares to:
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