OCC 100/300 Commercial Real Estate (CRE) Concentration Console
Supervisory Authority: OCC Bulletin 2006-46 | 12 CFR Part 34 | Appendix A to Subpart D
112.50%
MRA THRESHOLD BREACH
Tier 1 Capital Base: $160,000,000
312.50%
SUPERVISORY SURCHARGE
Total CRE Exposure: $500,000,000
66.67%
RAPID EXPANSION
36-Month Net CRE Growth Rate
$14.25M
ASC 326 MODEL
Pillar 2 Capital Add-On Calculated
AUTONOMOUS MATRIX SENSITIVITY CALCULATION
Displaying 8 In-Scope Supervisory Facilities
| Facility ID | Property Type | Committed Exp ($) | Base DSCR | Stressed DSCR | Stressed LTV (%) | CECL Method | Required Reserve ($) | Stressed Capital Surcharge ($) | Risk Grade / Status | Action |
|---|---|---|---|---|---|---|---|---|---|---|
| FAC-OFFICE-88 | Commercial Office (CBD) | $55,000,000 | 1.22x | 0.88x | 96.5% | ASC 326 DCF | $4,850,000 | $2,400,000 | SUBSTANDARD | Restructure |
| FAC-CD-102 | Construction & Dev (Res) | $42,500,000 | 1.35x | 1.04x | 84.2% | Collateral Dep | $2,750,000 | $1,850,000 | SPECIAL MENTION | |
| FAC-IND-409 | Industrial Logistics Center | $78,000,000 | 1.62x | 1.34x | 64.5% | Loss Rate | $780,000 | $0 | PASS |