The Federal Reserve Bank of San Francisco's Financial Institution Supervision and Credit (FISC) Group 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.
Supervision in Brief
This publication offers observations by the Head of Supervision of Financial Institution Supervision and Credit (FISC) on current banking and regulatory issues facing 12th District institutions.
New Vice Chair Barr Talks Existing and Emerging Risks
This July, the Federal Reserve System welcomed its new Vice Chair for Supervision, Michael Barr. Since then, the Supervision + Credit (S+C) group at the SF Fed has worked diligently with our Board colleagues to inform his agenda and priorities, which he recently delivered at The Brookings Institution.
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.
Banks at a Glance – Bank Profiles by State
These reports highlight key indicators of economic and banking conditions within each of the nine states comprising the 12th Federal Reserve District.
Second Quarter 2019
Economic and banking conditions among the 12th District’s nine states remained solid in the first half of 2019. Job growth continued, despite decelerations in some states. Average bank profitability and loan growth were above national averages, and loan growth contributed to tighter liquidity. See Banks at a Glance for more.
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.
Privacy Enhancing Technologies: Categories, Use Cases, and Considerations
Information can provide unique insights to improve welfare, drive business innovation, and help countries navigate crises, such as the COVID-19 global pandemic. Unfortunately, the underlying data that are used to create information and insight, can also be breached, or misused, and require significant resources to manage efficiently and securely. Privacy enhancing technologies are a promising set of tools, techniques, and systems that can help keep data secure and private while still leveraging them to create value.
First Glance 12L
These quarterly reports highlight key indicators of 12th District banking conditions.
Fourth Quarter 2022: Economic and Liquidity Pressures Intensified for Banks
The 4Q22 issue of First Glance 12L notes cooling job and real estate market conditions in the West. Among the District’s banks, funding costs increased notably as nonmaturity deposit runoff picked up, deposit competition intensified, and banks shifted to pricier funding sources.
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: March 2019
This issue of the Real Estate Lending Risks Monitor focuses on office sector performance, as well as the impact of coworking space on office demand in the 12th District.
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.
Federal Reserve Supervision and Regulation Report
A Federal Reserve System report summarizing banking conditions and the Federal Reserve's supervisory and regulatory activities.
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.
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.