This is well above the regulatory guidelines of 100% and 300% of risk-based capital respectively.

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The average tier one risk-based capital ratio for U.S. commercial banks at the end of 2009 was 11.43%, according to SNL Financial.

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For risk-based capital purposes, the risk weights for Treasury securities and other securities issued or guaranteed by the U.S. government, government agencies, and government-sponsored entities will not change.

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The rules could mean a Tier 1 common risk-based capital ratio requirement to 7% and an addition a surcharge of up to 2.5% for the most complex financial firms.

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The National Association of Insurance Commissioners hired the advisory arm of PIMCO, a big fund manager, in 2009 to develop alternative risk-based capital requirements for the industry's holdings of residential mortgage securities.

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When I analyze FDIC loan exposure data lately, I find that while bigger regional banks retain considerable exposure to CRE loans, the ratios to risk-based capital are much lower and thus are not considered a threat.

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OpenGamma, a startup which has so far received two rounds of funding from Accel Partners and FirstMark Capital, is creating a open-source-based platform for trading and risk analytics software to support front office applications.

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