2021 Strategic Planning Conference

RISCI Origin Story • Evolved from the Excel Risk Scoping Workbook (ERSW) • Utilizes the exception scoring framework • Includes multiple time periods for trend analysis • ERSW is point in time

Exception Scoring Framework

Ratio

Individual Bank

High Risk Threshold

Breach?

Exception Score

Tier 1 Leverage Ratio

11%

Under 6%

No

0

Total Past Due Loans / Total Loans

12.8%

Above 10%

Yes

1

Return on Average Assets 0.2%

Under 0.4%

Yes

1

Net Interest Margin

5%

Under 3%

No

0

Liquid Assets / Total Assets 23%

Under 10%

No

0

TOTAL

2