First Glance 12L

These quarterly reports highlight key indicators of 12th District banking conditions.

2016

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First Quarter 2016: Conditions Remained Healthy but Prone to Greater Volatility

Posted May 24, 2016

The 1Q16 issue of First Glance 12L shows the District’s economic and commercial bank performance remained sound. However, caution increased among equity and debt markets during 1Q16, crimping commercial mortgage securitization activity and venture capital deal volumes. Also, the authors noted that economic and banking statistics in most 12th District states have a history of above-average business cycle volatility.

Fourth Quarter 2015: Will 2015 be the High Point for District Bank Credit Quality?

Posted February 25, 2016

The 4Q15 issue of First Glance 12L shows District jobs expanded and overall bank credit quality improved notwithstanding economic slowing abroad and commodity and equity price volatility. Regardless, 2015 was marked by historic low net charge-off activity and may be tough to beat for credit performance metrics.

2015

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First Quarter 2015: Banking Recovery Continues but Headwinds Remain

Posted May 27, 2015

The 1Q15 issue of First Glance 12L shows continued improvement in 12th District bank credit quality, yet profitability remained constrained by narrowing net interest margins. Prospectively, a strong dollar and extreme drought pose challenges to borrowers who export goods, rely on foreign visitor activity, or engage in water-intensive industries.

2014

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2013

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Third Quarter 2013: Banking Recovery – Slow and Steady

Posted November 27, 2013

The 3Q13 issue of First Glance 12L details the slow financial recovery being made by District banks. Loan growth has been a bright spot, up to 7% year-over-year on average, and problem loans further declined. However, narrow net interest margins constrained profitability gains.

First Quarter 2013: Banking Recovery Continues Despite Margin Pressures

Posted May 22, 2013

The First Glance 12L provides a first look at the financial performance of the 12th Federal Reserve District banks each quarter. The 1Q13 report, subtitled “Banking Recovery Continues Despite Margin Pressures”, examines trends and conditions related to banks headquartered in the 12th Federal Reserve District (nine western states).

Fourth Quarter 2012: Western Banks: Solid Improvement, But Further To Go

Posted February 21, 2013

The First Glance 12L provides a first look at the financial performance of the 12th Federal Reserve District banks each quarter. The 4Q12 report, “Solid Improvement, But Further To Go,” examines industry and 12th District trends over extended time periods with a focus on improvements since the financial crisis.

2012

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Second Quarter 2012: Banks Recovering – But Still Have a Long Way To Go

Posted August 20, 2012

The First Glance 12L provides a first look at the financial performance of banks in the West each quarter. The report, subtitled “Banks Recovering – But Still Have a Long Way to Go”, provides updated details on the recovery of District banks from the impact of the Great Recession.

First Quarter 2012: Banks Making Steady Progress Towards Full Recovery

Posted May 21, 2012

The First Glance 12L provides a first look at the financial performance of banks in the West each quarter. The 1Q12 report, subtitled “Banks Making Steady Progress Towards Full Recovery”, describes how banks of all sizes continued to reduce their average noncurrent loan rates with small banks lagging to some extent the improvement of larger banks.