The Federal Reserve Bank of San Francisco's Division of Financial Institution Supervision and Credit (FISC) prepares periodic reports on banking trends and risks. While produced primarily for financial institutions and internal audiences, many of these reports also are made available to the public so others may gain some insight into issues and concerns of bank supervisors.
This publication offers observations by the Division Director of Financial Institution Supervision and Credit (FISC) on current banking and regulatory issues facing 12th District institutions.
This issue of Supervisory Spotlight looks at the results from a recent assessment of risks facing institutions in the 12th District. The three highest concerns—BSA/AML, cybersecurity, and interest rate risk—are unchanged since April. However, rapid loan growth and rising CRE concentrations are reemerging on our radar screens. In addition to urging bankers to revisit existing guidance on CRE concentrations, we also highlight recent discussions in Community Banking Connections on underwriting concessions, extended maturities, and other concerns that are linked to asset concentrations in community banks. Finally, we remind bankers that effective risk management also encompasses the identification, control, and mitigation of risks of new and existing products and services.
This newsletter provides context and insight into current economic and financial sector developments in the Asia-Pacific region.
This Asia Focus examines similarities in the process of banking reform in China and Vietnam, analyzes how both countries have dealt with financial crises, and draws lessons from their shared experiences that may be useful for other countries undertaking financial reforms.
These quarterly reports highlight key indicators of banking conditions within each of the nine states comprising the 12th Federal Reserve District.
These quarterly reports highlight key indicators of 12th District banking conditions.
The 3Q15 issue of First Glance 12L reveals continued healthy levels of bank loan growth within the 12th District, paralleling the improving economy, and ongoing improvements to bank earnings and credit quality.
This periodic report examines western real estate market conditions, bank lending concentrations, and loan quality indicators.
This RE Lending Risks Monitor discusses key trends in commercial real estate markets and related lending issues, geared towards lenders within the 12th Federal Reserve District (nine western states).
Federal Reserve System Publications
Community Banking Connections
A Federal Reserve System website and publication providing additional insight on recent supervisory and regulatory developments related to community banking.
A Federal Reserve System resource that discusses supervisory expectations in selected areas in the context of a typical community bank business model.
Consumer Compliance Outlook
A Federal Reserve System publication dedicated to providing information and analysis of current consumer compliance issues.
The Federal Reserve System: Purposes and Functions
A Federal Reserve System publication that provides additional information on the Federal Reserve's history, responsibilities, and activities.
Community Investments Magazine
This periodic publication focuses on current community development issues.
District Circular Letters
The Federal Reserve Bank of San Francisco uses circular letters to communicate new policies and announcements to institutions in the Twelfth Federal Reserve District.
Educational Resources and Publications
A list of resources and publications for teachers and students.
ETC: Economic Trends and Conditions
A periodic overview of national and regional economic issues of relevance to financial institutions. This publication was discontinued as of September 2012, but see archived issues here. Visit the Reserve Bank's Economic Research Publications page for current economic data, analysis, and commentary.