In this title the following words have the meanings indicated. “CAMELS” means the composite rating adopted by the federal Financial Institutions Examination Council to evaluate the adequacy of capital, quality of assets, capability of management, quality and level of earnings, adequacy of liquidity, and sensitivity to market risk. “Capital stock” includes both common and preferred stock of a commercial bank. “Examiner” means: The Commissioner; and An individual whom the Commissioner designates as examiner. “Federal banking authority” means, as the context requires: The Federal Deposit Insurance Corporation; The Federal Reserve Bank of Richmond; or Any other appropriate federal banking authority. “Nondepository trust company” means a trust company that is not insured by the Federal Deposit Insurance Corporation. “Savings bank” means an institution that: Is incorporated under the laws of this State as a savings bank; and Engages only in the business of savings banking. “Trust company” means an institution that is incorporated under the laws of this State as a trust company.