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Bank earnings for 2015 remained near 2014 levels, while fewer banks are experiencing a net loss. Problem assets have fallen from 2014 levels with further improvement in the construction & land development loan portfolio and the residential loan portfolio. Capital levels continued to rise in 2015.
View information about regulatory communications, supervisory processes and the various resources available to Tenth District Federal Reserve holding company managers and directors.
Learn more about regulatory communications, supervisory processes and the resources available to Reserve savings and loan holding company managers and directors.
Map your bank's assessment area with this mapping tool using 2010 Census tract designations. Toggle between 2000 and 2010 Census data and view income designations versus minority levels. Enter your county/state in the navigation bar to zoom to highlight specific areas. Zoom in/out to capture your assessment area.
By Michal Kowalik, Troy Davig, Charles S. Morris and Kristen Regehr
Economic Review Michal Kowalik, Troy Davig, Charles S. Morris, and Kristen Regehr analyze the financial characteristics of acquired community banks from 2011 to 2014.
By Geetesh Bhardwaj and Rajdeep Sengupta
Research Working Paper The performance of FICO scores as measures of borrowers' creditworthiness on subprime mortgage originations remains stable over time after controlling for other loan attributes and changes in economic conditions.
By Michal Kowalik
Research Working Paper Banks' reliance on risky securitized assets to manage liquidity leads to liquidity crunches in interbank lending markets.
View links on community banking research papers and learn more about the annual Community Bank Research Conference, sponsored by the Federal Reserve System and the Conference of State Bank Supervisors.
This basic guide is a reference source on banking and bank regulation for the public, bankers and banking supervisors. The book also shows the challenges that bankers and regulators face in maintaining a sound and innovative financial system.