Brain freeze today at 5 degrees .

Donations- Is 1% of assets a standard or is it 1% of net earned income?

Investments- is 5% of Tier 1 capital a standard for Outstanding?

Are these percent and dollar amounts for every year to achieve or is it the 24-26 month exam period cycle to achieve?

I have done a performance context analysis by pulling PEs from peer banks in our area and a separate one for banks with outstanding ratings by our regulator. All are similar business models to ours, in as much as I can find them. By averaging the PE exam data and throwing out the outliers, you get a pretty good idea of your performance. I also use asset size, not Tier 1 capital. It's not a one size fits all analysis. For the timeframe, I annualize the data and compare ours on that basis as well.

Like Moman, we look at peer bank PEs. This is the first exam cycle that we will be examined under a large bank test, so we tried to set our benchmarks according to peer banks with similar portfolios. Here's to hoping we were right!