Oversight Hearings on the Condition of the Banking System: Hearings Before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred First Congress, First Session, on the Background of the Banking Industry as it Stands Today ... October 5, 17, and 25, 1989 |
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Page 13
... banks ) , regulation and enforcement become exceedingly difficult as the ... banks to reduce their risk exposures through diversification either along product ... problem in the banking industry is the structure deposit insurance , any ...
... banks ) , regulation and enforcement become exceedingly difficult as the ... banks to reduce their risk exposures through diversification either along product ... problem in the banking industry is the structure deposit insurance , any ...
Page 37
... of inadequate information publicly disclosed by the FDIC . The table attached to this statement estimates unbooked losses from three critical assumptions : the percentage of assets allocated to problem banks ; projected bank 37.
... of inadequate information publicly disclosed by the FDIC . The table attached to this statement estimates unbooked losses from three critical assumptions : the percentage of assets allocated to problem banks ; projected bank 37.
Page 38
... Banking Industry as it Stands Today ... October 5, 17, and 25, 1989 United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. percentage of assets allocated to problem banks ; projected bank failure rates ; and a ...
... Banking Industry as it Stands Today ... October 5, 17, and 25, 1989 United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. percentage of assets allocated to problem banks ; projected bank failure rates ; and a ...
Page 39
... Banking, Housing, and Urban Affairs. Estimate of FDIC's Net Reserve Position on December 31 , 1988 1. 1987 Yearend Data : FDIC - Insured Commercial Banks Number Percentage Problem Banks Nonproblem Banks 1,575 11.5 12.124 88.5 13,699 ...
... Banking, Housing, and Urban Affairs. Estimate of FDIC's Net Reserve Position on December 31 , 1988 1. 1987 Yearend Data : FDIC - Insured Commercial Banks Number Percentage Problem Banks Nonproblem Banks 1,575 11.5 12.124 88.5 13,699 ...
Page 40
... Banking, Housing, and Urban Affairs. [ Footnote continued from previous page ] distribution of banks on its problem list . This analysis assumes that the size distribution of problem banks is similar to that of all banks . Since we know ...
... Banking, Housing, and Urban Affairs. [ Footnote continued from previous page ] distribution of banks on its problem list . This analysis assumes that the size distribution of problem banks is similar to that of all banks . Since we know ...
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accepted accounting principles activities additional bank failures bank holding companies bank regulators bank's banking industry banking organizations banking system billion California CAMEL rating capital levels capital ratios capital requirements CHAIRMAN chartered banks commercial banks Committee competitive Comptroller condition CONGRESS THE LIBRARY debt deposit insurance earnings economic effective equity capital examination exposure FDIC FDIC's Federal Reserve financial institutions FIRREA Florida FSLIC GAAP income increased insolvent insurance fund investment issue June 30 leverage ratio leveraged buyouts leveraged financing LIBRARY OF CONGRESS LITAN Loan Association loan loss reserves minimum money center banks monitoring national banks nonperforming number of banks operating percent policies primary capital problem banks question real estate lending real estate loans recapitalization recent regulatory agencies reported response return on assets risk savings and loan savings banks SEIDMAN state-chartered banks statement subsidiary supervision supervisory Texas thrift industry total assets transactions U.S. banks
Popular passages
Page 45 - ... capital in depository institutions performs three critical functions. It protects the insurer by requiring that bank and thrift shareholders be the first to suffer losses. It deters excessive risk-taking. And well-enforced capital standards discourage the unscrupulous from entering the banking business. In 1981, for the first time, the three federal banking agencies (the FDIC, the Federal Reserve Board, and the Comptroller of the Currency) announced specific capital guidelines for community and...
Page 455 - Federal examination of financial institutions by the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the...
Page 293 - CHAIRMAN, BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM BEFORE THE * COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS US...
Page 282 - Such order may, by provisions which may be mandatory or otherwise, require the bank and its directors, officers, employees, and agents to cease and desist from the same, and, further, to take affirmative action to correct the conditions resulting from any such violation or practice.
Page 101 - Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware DC Florida Georgia Hawaii Idaho Illinois Indiana Iowa...
Page 426 - Regulation, to the Officer in Charge of Supervision at each Federal Reserve Bank (February 16, 1989).
Page 530 - GAO comments supplementing those in the report text appear at the end of this appendix. o Comptroller of the Currency Administrator of National Banks Washington, DC 20219 June 16, 1998 Mr.
Page 22 - The large number of current bank and thrift problems demonstrates clearly the inadequacy of federal regulatory policies and procedures to deal with insolvencies in a timely enough fashion to avoid undue financial burdens on both the insurance funds and the public at large. In particular, policies of regulatory forbearance and prolonged deferral of resolving problem cases, made possible by government insurance guarantees, permited economically insolvent institutions to keep operating.
Page 562 - Created in 1913 to regulate all national banks and state-chartered banks that are members of the Federal Reserve System, the board possesses jurisdiction over bank holding companies and also sets national money and credit policy.
Page 569 - System, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation and the Federal Home Loan Bank Board. The four named regulators of financial institutions are referred to herein as the "Supervisory Agencies.