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Promoting a safe, sound, and stable banking and financial system, and fair and transparent financial services
Publications
Federal Reserve System Publications
Community Banking Connections
The lead article in this issue of Community Banking Connections discusses how culture drives a community bank’s mission. Other articles highlight revisions to the Federal Reserve’s risk management guidance and the risks of agricultural lending in challenging times. This issue also features the first CECL Corner, a new component that provides links to CECL resources and, in future issues, will discuss ways that community banks can better prepare for CECL.
First Glance 12L
Second Quarter 2018: Bank Profits Buoyed Capital but Deposit Growth Slowed
The 2Q18 issue of First Glance 12L notes year-over-year improvements in earnings and capital ratios amid slower core deposit growth. The pace of employment gains remained comparatively strong, albeit cooler than in 1Q18 and 2Q17. Growing trade tensions could pose risks to employment growth and real estate demand in pockets.
Supervision in Brief
Fed Leadership Changes and Regulatory Reform Will Shape Our Supervisory Agenda
This issue of Supervision in Brief provides details on the San Francisco Fed’s presidential search process, summarizes key aspects of the recent financial regulatory reform law, highlights the Fed’s new vice chairman for supervision and his thinking on important monetary policy topics, and notes the latest economic conditions in the 12th District.
First Glance 12L
First Quarter 2018: Job Gains and Bank Profits Improved as Loan Growth Slowed
The 1Q18 issue of First Glance 12L notes that wider net interest margins and lower taxes boosted bank earnings year-over-year amid slower loan growth. Job gains remained strong in most states, but housing demand continued to outstrip supply, lifting home prices, crimping affordability, and prompting outmigration in some markets.
Real Estate Lending Risks Monitor
RE Market Conditions in the West: May 2018
This issue of the Real Estate Lending Risks Monitor explores capital flows into the office, retail, and industrial sectors. It also looks at the performance of the apartment fundamentals in various markets in the 12th District.
Pacific Exchange Blog
Asia’s Emerging Virtual Banks
Several Asian regulators are amending existing rules to allow technology firms to own and run virtual banks, which will likely result in a number of new digital lenders. This has triggered debate and discussion about licensing requirements, risk management, and consumer protection.
