Cal. Financial Code - FIN § 1150. Section 1150.
In determining for purposes of this division whether the shareholders’ equity of a bank or of a proposed bank is adequate, the commissioner shall consider:
(a)
The nature and volume of the business of the bank;
(b)
The amount, nature, quality, and liquidity of the assets of the bank;
(c)
The
amount and nature of the liabilities (including, but not limited to, any capital notes or debentures and any contingent liabilities) of the bank;
(d)
The amount and nature of the fixed charges of the bank;
(e)
The history of, and prospects for, the bank to earn and retain income;
(f)
The quality of the operations of the bank;
(g)
The quality of the management of the bank;
(h)
The nature and quality of the ownership of the bank; and
(i)
Such other factors as are in the opinion of the commissioner relevant.