The lines an examiner actually reads first, what each one tells you, and the supervisory signal it feeds. Open any line for detail. Use the CAMELS lens to pull every line that informs a single component across all schedules, the way the story actually assembles on exam.
RC-R: CET1, Tier 1 leverage, and total risk-based ratios against RWA tell you the cushion and the distance to PCA thresholds.RC-N and RI-B: past-due and nonaccrual balances show deterioration before it hits earnings; the ACL coverage ratio shows whether reserves keep pace.RI: net interest income, provision, and the efficiency ratio flow down to ROA and ROE.RC securities and deposit lines: the gap between HTM carrying value and fair value, plus funding mix, decides whether a runoff turns unrealized losses into realized ones.