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Information Security: Federal Deposit Insurance Corporation Needs to Sustain Progress
The Federal Deposit Insurance Corporation FDIC relies extensively on computerized systems to support its financial and mission-related operations. As part of GAO's audit of the calendar year 2004 financial statements for the three funds administered by FDIC, this report asses the progress FDIC has made in correcting or mitigating information...
The U.S. Federal Financial Regulatory System: Restructuring Federal Bank Regulation
Questions of whether and, if so, how the U.S. financial regulatory system?and particularly the federal bank regulatory system?should be restructured are hardly new. The debate over federal bank regulatory structure and organization goes back for nearly a century. Although studies, commissions and committees of banking scholars, high-level government officials and...
Can the Equity Markets Help Predict Bank Failures
This paper examines the informational content of market data when this data is incorporated into traditional models that predict bank failures. To assess whether financial markets can provide timely information about firm distress, the paper examines the pre-failure behavior of market variables over long periods before failure. Several other market-related...
A Risk-Management Upgrade for US Bank Regulators
The Federal Deposit Insurance Corporation protects the stability of US banksùand thus confidence in themùby guaranteeing their deposits. But in 2003 increasing uncertainty about bank failures was putting pressure on the FDIC's insurance funds, raising the possibility that it would need to increase the insurance premiums banks pay it. The...
The Evolving Role of Commercial Banks in U.S. Credit Markets
How important a role do commercial banks play in funding non financial borrowing? Ten years after the end of the industry's most significant crisis since the Great Depression, does banking remain a major player in financing the nation's economic activity? This paper examines the evolving role that commercial banks play...
The SCOR System of Off-Site Monitoring: Its Objectives, Functioning, and Performance
The Federal Deposit Insurance Corporation FDIC and other bank supervisors have developed a number of tools with which to monitor the health of individual banks as well as the health of the industry as a whole. One is on-site examinations: each bank is examined every 12 to 18 months and...
Using Market Information to Help Identify Distressed Institutions The SCOR System of Off-Site Monitoring Using Market Information to Help Identify Distressed Institutions - The SCOR System of Off-Site Monitoring
This article explores the notion that publicly available stock price, return, and other market-related variables can provide timely information about bank and thrift financial condition; the article also determines whether such information can be used to improve the predictive accuracy of traditional off-site monitoring models for the purpose of anticipating...
Using Market Information to Help Identify Distressed Institutions: A Regulatory Perspective
The purpose of this article is to assess the relationship, in timing and magnitude, between equity market valuations of commercial banks and thrift institutions and changes in the supervisory ratings for these organizations. In particular, the paper ask two questions: to what extent do market variables such as stock prices,...
Differentiating Among Critically Undercapitalized Banks and Thrifts
This article begins by providing background information including a discussion of related literature and the trade offs associated with setting the threshold for critically undercapitalized banks. The article then discusses the data & methodology & reports the results for various comparisons across groups. The final section makes concluding remarks &...
Do Local Economic Data Improve Off-Site Bank-Monitoring Models
Researchers at US bank regulatory agencies have developed have developed several types of a statistical models to monitor potential problems at individual banks off-site. Generally these off-site monitoring models tend to be unconditional that use available data on banks current & past condition to predict its future condition. Generally the...
Federal Deposit Insurance Corporation : Reports
In accordance with the provisions of section 17a of the Federal Deposit Insurance Act, the Chief Financial Officers Act of 1990, Public Law 101-576, and the Government Performance and Results Act of 1993. The FDIC is submitted its 2002 Annual Report to the President of the United States, the President...
Merchant Banking: Past and Present
This article begins by defining merchant banking and provides a short history on it. The article then looks at the private equity market in the United States, examining that market in terms of its evolution, typical uses of funds, and forms taken by the investments. Discussed next is commercial bank...
FDIC Banking Review - 2001
This article reports on the nature and extent of the role played by the 37 survey respondents in winding up failed banks. The article summarizes and discusses only the results of questions that directly address the resolving and liquidating of failed banks. The article draws upon both the academic literature...
Reform of Deposit Insurance - A Report to the FDIC
When a system has been in place for a very long time, and has been successful, as is undoubtedly the case with federal deposit insurance in the United States, it is all too easy to lose sight of the basic principles that guide it--or should guide it. So before evaluating...
FDIC Banking Review - 2000
The article examines the federal deposit insurance program and traces deposit insurance coverage from its original amount of $2,500 in 1934 through each subsequent increase to the current coverage amount of $100,000. The article is intended to provide a background for the current debate on increasing deposit insurance coverage. The...
Options Paper
This options paper is part of a comprehensive review of the U.S. deposit insurance system by the Federal Deposit Insurance Corporation FDIC. This review assures the ability of the system to meet its responsibilities over the next decade. Industry consolidation, expanded activities, globalization and the use of technology have advanced...
Additional Resources
Learning from IndyMac or: How I Learned to Stop Worrying and Love the FDIC from Informa Research Services
CALABASAS, Calif. -- With the recent closure of IndyMac Bank, you must be wondering what happens to your deposits if your bank is the next to close. The good news is that as long as your accounts are FDIC-insured, you shouldn't have too much to worry about (http://www.filife.com/rates/checkingsavings)! ...
CapStar Bank Opens First Branch
Downtown location also serves as bank headquarters NASHVILLE, Tenn., July 14 /PRNewswire/ -- CapStar Bank has opened its first branch in downtown Nashville, marking the beginning of its operations. Located on the ninth floor of 201 Fourth Avenue North across from the L & C Tower, the...
Fitch Downgrades & Removes Financial Freedom's Servicer Rating from Watch Negative
NEW YORK -- Fitch Ratings has downgraded and removed from Rating Watch Negative Financial Freedom Senior Funding Corporation's Financial Freedom residential primary specialty-reverse mortgage servicer rating as follows: --Primary specialty-reverse servicer rating to 'RPS5' from 'RPS3'. As a result of the servicer rating being downgraded to...
Fitch Downgrades & Removes Indymac's Servicer Ratings from Watch Negative
NEW YORK -- Fitch Ratings has downgraded and removed from Rating Watch Negative IndyMac Bank, FSB's IndyMac residential servicer ratings as follows: --Primary servicer rating for Alt-A product to 'RPS5' from 'RPS3; --Primary servicer rating for subprime product to 'RPS5' from 'RPS3'; --Primary servicer...
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NAICS Code
Public Finance Activities: 921130
