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Guide Financial Condition of Depository Banks

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Profitability returned to Hispanic-owned banks in , after large losses during the financial crisis, but these banks were minimally active in capital markets transactions. Black-owned banks as a group retained no income i.

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These differences within the minority bank sector may reflect other characteristics of these institutions i. One take-away from this study relates to the heterogeneity of the minority-owned bank sector, a focus which has emerged in other recent research on MDIs, 23 and therefore the idea that a single set of recommendations for raising capital is not likely to apply across different institutions. The proliferation of Asian-owned banks has reflected, in part, the emergence of new financial resources made available through the expansion of transnational connections.

As Wei Li and co-authors note in their paper, some Asian-owned banks have benefited from capital investments by Chinese immigrants who arrived as part of a new wave from mainland China, and who began to join the boards of these institutions in the mids. However, community-held resources have not always been sufficient for keeping community-focused banks in business. Pan American Bank in California received investment from a coalition of other minority-owned institutions, 30 but was subsequently sold to a non-minority bank.

These within-sector differences underscore another major take-away from this analysis: the importance of profitability in order to grow equity. This finding is admittedly definitional since positive earnings feed directly into the capital account.

2 min to understand what is a custodian and depositary bank

Earnings projections and future profitability are important to prospective debtholders who want to know whether a bank has the cash flow to service its debt, particularly uncollateralized subordinated debt. Earnings similarly affect the ability to attract stock purchasers, as bank investors often base their buying decisions on expected changes to PE ratios.

Thus, earnings, as well as stock liquidity, factor into the ability of minority-owned banks to attract new shareholders. To be sure, high relative returns are not the only way for MDIs to attract investors. In addition, some would-be investors are looking to buy a majority share of these banks. This was the case at Illinois Service Federal in Chicago, which received an investment from the black-owned Groupe Nduom of Ghana in In , the question of capital access may not be as pressing for community and minority-owned institutions as it was during and immediately following the recession.

But to the extent some minority-owned banks pursue a mission to serve underserved customers, and revenues and profits are below that of non-mission peers, the need to raise capital on short notice may never be far off. Going forward, as minority-owned depositories look to raise capital, their challenge will be in aligning investor expectations with the missions of their institutions. Department of Commerce, January. The FDIC has developed a functional definition of community banks, outlined in the FDIC Community Banking Study, that aggregates the assets of banks under a single holding company charter; excludes banks where more than 50 percent of assets are held in specialty charters like credit cards or industrial loan companies; and includes banks with certain minimum loan-to-deposit ratios and core deposit ratios.

The FR Y-9C is completed on a quarterly basis. The top-tier holding company also submits a separate quarterly report known as the FR Y-9LP, prepared on an unconsolidated basis. This report is filed semiannually as of the last calendar day of June and December.

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Of note, though, the TARP portion of this account is not identified as such. The terms of the CDCI program included a 2 percent dividend payment on preferred shares for the first eight years and a 9 percent dividend payment thereafter. An eligible community development institution would have been a bank, thrift, or credit union certified by the Treasury as targeting more than 60 percent of its small business lending and other economic development activities toward underserved communities.

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Table 1 - Page 1

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Depository Institutions, Assets - Economic Data Series | FRED | St. Louis Fed

Conference Series. Albouy , David Allen , Carl E. Anderson , Paul Anderson, Jr. Arida , George Armstrong , Jeffrey D. An applicant of the type described in paragraph a of this section shall be deemed to be in compliance with the financial condition requirement of section 4 a 2 B of the Bank Act 12 U.


  1. Analyzing a bank's financial statements.
  2. Find More Information.
  3. Table 1 - Page 2.
  4. Statistics.
  5. Each depositor insured to at least $250,000 per insured bank?
  6. The applicant has received a composite regulatory examination rating from its appropriate regulator within two years preceding the date the Bank receives the application;. The applicant meets all of its minimum statutory and regulatory capital requirements as reported in its most recent quarter-end regulatory financial report filed with its appropriate regulator ; and.

    A Earnings. The applicant's adjusted net income was positive in four of the six most recent calendar quarters;.

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    B Nonperforming assets. The applicant's nonperforming loans and leases plus other real estate owned , did not exceed 10 percent of its total loans and leases plus other real estate owned , in the most recent calendar quarter; and. Reforms enacted since to modernize PDPC statutes, rules and procedures added important new safeguards for public funds that reduce the risk that a failed bank could trigger an assessment on other public depositaries to recover uninsured public deposits.

    These new rules, policies and practices strengthen protections on public deposits and reduce the liabilities for participating financial institutions by helping make the banking system stronger, public deposits safer, and promoting economic recovery. Articles on our work and partners, and how we intersect with education, infrastructure, and finance. Deposit Protection: Assuring the security of local and state government funds.