Supervisory Spotlight

Supervisory Spotlight

This publication offers observations by the Division Director of Banking Supervision & Regulation on current banking and regulatory issues facing 12th District institutions.

2014

June 2014: The Importance of BSA/AML Compliance

Posted June 5, 2014

This Supervisory Spotlight looks at BSA/AML risks and the impact weaknesses in this area can have on community banks. It also provides insight and resources on negative and zero provisions to the ALLL.

May 2014: Dealing with Cybersecurity Risks

Posted May 1, 2014

The latest Supervisory Spotlight alerts bankers to some of the resources available to better understand and deal with growing cybersecurity risks.

March 2014: A New Approach to the Supervisory Spotlight

Posted March 13, 2014

In this new format, we highlight a few of the topics that continue to keep some supervisors up at night, and provide links to more detailed information on these concerns.

2013

December 2013: Loan Growth is Accelerating in the 12th District

Posted December 20, 2013

We’re happy to see strong loan growth among 12th District banks, but in this issue of the Supervisory Spotlight we note the need to monitor that growth and ensure lending standards remain prudent.

September 2013: Has the Liquidity Buildup Ended?

Posted September 12, 2013

After a look at banking conditions and the declining liquidity metrics in the 12th District, this issue of the Spotlight examines two issues of particular concern to bankers and regulators: interest rate risk and the impact of new capital rules recently announced by regulators.

June 2013: Banking Conditions Continue to Recover but Earnings Challenges are Real

Posted June 12, 2013

This issue of the Spotlight focuses on the importance of risk management in the context of earnings challenges banks face as the economic and banking recovery continues. We highlight vendor management, deposit advance products, and other new products and services that banks are looking to to help boost earnings.

March 2013: Banking Conditions: Solid Improvement, but Further to Go

Posted March 15, 2013

This issue of Supervisory Spotlight continues our analysis of the ongoing recovery in banking conditions in the Western United States. We remind readers of the importance of staying updated on the continuing regulatory changes in mortgage rules, the SAFE Act, and the use of credit rating agencies.

2012

December 2012: Loan Growth is Accelerating

Posted December 17, 2012

This issue monitors the ongoing improvement in banking conditions in the 12th District, and reviews guidance on CRE concentrations, TDRs, and technology service providers.

Banking in an Evolving Regulatory Environment

Posted September 28, 2012

This issue highlights a few of the new rules and proposals being issued by federal regulatory agencies, and raises ongoing risks for community banks associated with mobile devices and vendor management.

Western Banking Conditions Continue Recovery

Posted June 1, 2012

Our quarterly newsletter highlights conditions in District banks and supervisors’ views of some of the important issues facing institutions. This issue looks at Q1 2012, important new regulatory guidance issued in 2012, and two recent communication initiatives–Ask the Fed and the Community Depository Institutions Advisory Council.

Special Issue: Clarifying Stress Testing by Community Banks

Posted May 1, 2012

This Special Issue examines the May 14 interagency statement on stress testing by community banks.

Banking Conditions Continue to Improve

Posted February 1, 2012

Our quarterly newsletter highlights conditions in District banks and supervisors views of some of the important issues facing institutions. This issue looks at Q4 2011, and important new regulatory guidance issued late last year and early 2012.

2011

Positive Momentum amid Challenging Banking Conditions

Posted December 1, 2011

Our quarterly newsletter highlights conditions in District banks and supervisors’ views of some of the important issues facing institutions. This issue looks at banks’ responsibilities to combat cybercrime.

Nascent Recovery Inches Forward

Posted September 1, 2011

Our quarterly newsletter highlighting conditions in District banks, and supervisors’ views of some of the important issues facing institutions in the coming months. This Q2 issue looks specifically at the role of risk management at all levels of an institution’s activities. Also provides a list of resources that can be helpful to bankers navigating today’s environment.

Is the Recovery for Real?

Posted June 1, 2011

Introducing the Supervisory Spotlight and Teresa Curran, the new Director of Banking Supervision & Regulation at the San Francisco Fed. This issue provides a look at banking conditions at the end of the first quarter, and review of some of the supervisory and regulatory concerns examiners find noteworthy.