Publications

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.

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Supervision in Brief

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. See Supervisory Spotlight for Division Director communications prior to 2017.

Fed Leadership Changes and Regulatory Reform Will Shape Our Supervisory Agenda

This issue of Supervision in Brief commends John Williams, outgoing San Francisco Fed president and chief executive officer, for his leadership and legacy as he prepares to assume the presidency of the New York Fed. We also provide details on the San Francisco Fed’s presidential search process and offer an online resource to follow the progress. There is a lot of talk about the recent financial regulatory reform law, so we summarize the key points for bankers. Randal Quarles joined the Federal Reserve Board late last year as its vice chairman for supervision. We highlight his recent remarks on important monetary policy and regulatory topics. Finally, we share the latest issue of First Glance 12L, our quarterly report of 12th District banking conditions.

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Asia Focus

These reports from the Asia Program provide context and insight into current economic and financial sector developments in the Asia-Pacific region.

How Digital Innovation Can Increase Small Business Access to Finance in Asia

This Asia Focus summarizes the small- and medium-sized enterprise (SME) credit gap in Asia and assesses ways certain emerging technologies and innovative business models—commonly known as “fintech”—can improve SME access to financial services in Asia and boost long-term economic growth in the process.

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Banks at a Glance – Bank Profiles by State

These semi-annual reports highlight key indicators of economic and banking conditions within each of the nine states comprising the 12th Federal Reserve District.

Fintech Edge

This publication offers insights into how fintech is impacting banking and financial services and how bank supervisors think about risks and opportunities presented by financial technology.

Making Sense of Bitcoin Price Levels

The virtual currency Bitcoin has received considerable attention in the past few years and more recently due to its price surge and subsequent volatility. At the end of 2017–in only a year’s time–the price of a Bitcoin increased about twentyfold to almost $20K. The sudden and unsteady changes in Bitcoin’s price beg the question–how do we consider its price levels? Given that an argument can be made that Bitcoin is a currency, a security, and a commodity, different economic theories might explain the evolution of its price.

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First Glance 12L

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

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.

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Real Estate Lending Risks Monitor

This periodic report examines western real estate market conditions, bank lending concentrations, and loan quality indicators.

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.

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Supervisory Spotlight

Supervisory Spotlight provided observations by Teresa Curran, the former director of the Financial Institution Supervision and Credit (FISC) division on current banking and regulatory issues facing 12th District institutions. See Supervision in Brief for the latest updates from current FISC Division Director Tracy Basinger.

Remembering Teresa Curran

It is with heavy hearts that we share the news of the passing of our friend and colleague, Teresa Curran. Teresa passed away yesterday after a heroic battle against a long illness.

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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.

FedLinks
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.

Consumer Compliance Supervision Bulletin
A Federal Reserve System publication to share information about Federal Reserve examiners' observations and other noteworthy developments related to consumer protection.

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.

FRBSF Publications

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.