12 CFR § 3.403 - Standards for determination of appropriate individual minimum capital ratios.
The appropriate minimum capital ratios for an individual national bank or Federal savings association cannot be determined solely through the application of a rigid mathematical formula or wholly objective criteria. The decision is necessarily based in part on subjective judgment grounded in agency expertise. The factors to be considered in the determination will vary in each case and may include, for example:
(b) The exigency of those circumstances or potential problems;
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