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Inactive Financial Institution Letters

Section 1
Suspicious Activity Report Statistics1
1 April 1996 - 31 August 2000

The statistics on the following pages relate to SARs filed since April 1996 by depository institutions (i.e., banks, thrifts, and credit unions). A small part of the total volume relates to reports filed by affiliates of depository institutions or, in some cases, filed voluntarily by brokers and dealers in securities, money services businesses, or gaming businesses.


Note: SAR data is continuously updated as additional forms are filed and processed. For this reason, there may be minor discrepancies between the statistical figures contained in various portions of this report.


Chart 1
SAR Filings by Year2 and Month

Month Number of Filings
  1996 1997 1998 1999 2000
January 261 5794 7600 8621 10789
February   5522 7107 9950 9910
March   6967 8718 10986 14923
April 2022 7628 8293 9759 11928
May 3315 6814 7646 10625 13364
June 5756 6414 8163 10715 13908
July 6882 6844 9061 8759 12031
August 6785 6930 7696 10014 13500
September 6139 7221 8625 8735  
October 7269 7486 8223 10049  
November 5060 6384 7577 10540  
December 6297 7593 8223 11753  
Subtotal 49,786 81,597 96,932 120,506 100,3533
Total Filings 449,177


1 Statistics generated for this study were based on the Record Control Number of each record within the SAR system. Numeric discrepancies between total number of filings and the combined number of filings of States and/or territories is a result of multiple filers listed on one or more SARs.

2 SARs were erroneously filed for the years 1937 (1); 1988 (1); and 1994 (1).

3 Represents those SARs currently in the system as of 31 August 2000.


Chart 2
SAR Filings4 by State & Territories

Month Number of Filings
  1996 1997 1998 1999 20005
Alabama 352 451 407 528 407
Alaska 63 59 132 157 240
American Samoa 2   7 2 8
Arizona 1817 3100 2428 2505 2494
Arkansas 197 335 298 430 325
California 12217 18151 23370 25042 27354
Colorado 844 1081 1480 1702 1155
Connecticut 398 785 950 4449 3228
Delaware 1097 1426 1664 2006 1888
District of Columbia 166 234 281 285 292
Fed. States Micronesia 1 3 3 1  
Florida 3971 6637 7131 7969 6642
Georgia 869 1504 1688 2205 1799
Guam 25 80 56 84 55
Hawaii 390 535 553 575 475
Idaho 106 155 124 186 262
Illinois 1471 2768 2899 3866 3112
Indiana 556 769 969 1186 881
Iowa 251 363 326 427 288
Kansas 254 284 363 555 305
Kentucky 262 388 426 754 516
Louisiana 480 594 714 926 1311
Maine 115 186 194 213 147
Marshall Islands       1  
Maryland 615 937 1201 1537 1371
Massachusetts 857 1402 1848 213 1929
Michigan 1119 1717 1858 2753 2377
Minnesota 950 2263 2212 2513 1866
Mississippi 152 251 222 283 343
Missouri 604 960 1153 1215 922
Montana 71 107 101 156 130
Nebraska 178 248 316 371 391
Nevada 662 1488 2009 2062 2135
New Hampshire 244 503 419 573 255
New Jersey 888 1536 2437 3450 2536
New Mexico 220 237 286 314 247
New York 5259 9679 13441 17931 11710
North Carolina 893 1625 2119 2392 2042
North Dakota 42 215 213 122 148
Northern Mariana Islands 22 5 13 33 42
Ohio 903 1721 2230 2297 1897
Oklahoma 379 497 506 698 525
Oregon 555 1129 1201 1807 1699
Overseas 12 39 7 2 19
Pennsylvania 1452 2482 2544 3571 2244
Puerto Rico 146 562 456 316 714
Rhode Island 155 290 285 503 314
South Carolina 279 563 640 669 473
South Dakota 316 430 574 675 163
Tennessee 525 802 922 998 973
Texas 3805 4906 6231 7606 6286
U.S. Virgin Islands 3 8 12 14 15
Unknown/Blank 318 205 28 26 17
Utah 374 882 1114 1384 1476
Vermont 55 91 68 58 44
Virginia 598 1206 1564 1537 1221
Washington 753 1766 2192 3147 2334
West Virginia 109 151 680 737 137
Wisconsin 360 552 677 755 614
Wyoming 26 43 54 40 37

4 SARs were erroneously filed for the years 1937 (1-GA); 1988 (1); and 1994 (1-CA).

5 Represents those SARs currently in the system as of 31 August 2000.


Chart 3
SAR Filings Since 1996 Ranked by States & Territories

Rank State/Territory Filings
(overall)
Percentage6
(overall)
1 California 106134 23.5%
2 New York 58020 13%
3 Florida 32350 7.2%
4 Texas 28834 6.5%
5 Illinois 14116 3.15%
6 Arizona 12344 2.75%
7 Pennsylvania 12293 2.75%
8 New Jersey 10847 2.4%
9 Washington 10192 2.25%
10 Michigan 9824 2.2%
11 Connecticut 9810 2.2%
12 Minnesota 9804 2.2%
13 North Carolina 9071 2%
14 Ohio 9048 2%
15 Nevada 8356 1.85%
16 Delaware 8081 1.8%
17 Georgia 8065 1.8%
18 Oregon 6391 1.4%
19 Colorado 6262 1.4%
20 Massachusetts 6249 1.4%
21 Virginia 6126 1.35%
22 Maryland 5661 1.25%
23 Utah 5230 1.15%
24 Missouri 4854 1%
25 Indiana 4361 Less than 1%
26 Tennessee 4220 Less than 1%
27 Louisiana 4025 Less than 1%
28 Wisconsin 2958 Less than 1%
29 South Carolina 2624 Less than 1%
30 Oklahoma 2605 Less than 1%
31 Hawaii 2528 Less than 1%
32 Kentucky 2346 Less than 1%
33 Puerto Rico 2194 Less than 1%
34 South Dakota 2158 Less than 1%
35 Alabama 2145 Less than 1%
36 New Hampshire 1994 Less than 1%
37 West Virginia 1814 Less than 1%
38 Kansas 1761 Less than 1%
39 Iowa 1655 Less than 1%
40 Arkansas 1585 Less than 1%
41 Rhode Island 1547 Less than 1%
42 Nebraska 1504 Less than 1%
43 New Mexico 1304 Less than 1%
44 District of Columbia 1258 Less than 1%
45 Mississippi 1251 Less than 1%
46 Maine 855 Less than 1%
47 Idaho 833 Less than 1%
48 North Dakota 740 Less than 1%
49 Alaska 651 Less than 1%
50 Unknown/Blank 594 Less than 1%
51 Montana 565 Less than 1%
52 Vermont 316 Less than 1%
53 Guam 300 Less than 1%
54 Wyoming 200 Less than 1%
55 Northern Mariana Islands 115 Less than 1%
56 Overseas 79 Less than 1%
57 U.S. Virgin Islands 52 Less than 1%
58 American Samoa 19 Less than 1%
59 Fed. States of Micronesia 8 Less than 1%
60 Marshall Islands 1 Less than 1%

6 All percentages are approximate.


Chart 4
SAR Filings Since 1996 Ranked
by Characterization of Suspicious Activity

Rank Violation Filings
(overall)
Percentage7
(overall)
1 BSA/Structuring/Money Laundering 221402 45.3%
2 Check Fraud 64237 13.15%
3 Other 35646 7.3%
4 Counterfeit Check 25670 5.25%
5 Defalcation/Embezzlement 22700 4.65%
6 Credit Card Fraud 21856 4.5%
7 Unknown/Blank8 18561 3.8%
8 Check Kiting 18392 3.75%
9 False Statement 10441 2.15%
10 Consumer Loan Fraud 10347 2.1%
11 Mortgage Loan Fraud 10276 2.1%
12 Mysterious Disappearance 8097 1.65%
13 Misuse of Position or Self Dealing 7455 1.5%
14 Commercial Loan Fraud 4301 Less than 1%
15 Debit Card Fraud 3021 Less than 1%
16 Wire Transfer Fraud 2737 Less than 1%
17 Counterfeit Credit/Debit Card 1746 Less than 1%
18 Counterfeit Instrument (Other) 1326 Less than 1%
19 Bribery/Gratuity 473 Less than 1%
20 Computer Intrusion 9 9 Less than 1%

7 All percentages are approximate.

8 The Unknown/Blank classification encompasses those alpha and/or numeric characters which
do not correspond to an established violation, fields containing unrelated symbols or nothing
more than carriage returns, or instances where the field is null (void of any data or action).

9 Violation did not appear until Revised June 2000 TD F 90-22.47.


Chart 5
SAR Filings by Characterization
of Suspicious Activity (Matrix)

Violation 1996 1997 1998 1999 200010
BSA/Structuring/
Money Laundering
20565 35949 47509 61007 56371
Bribery/Gratuity 91 109 93 101 79
Check Fraud 8639 13274 13832 16239 12253
Check Kiting 2747 4298 4037 4061 3249
Commercial Loan Fraud 554 960 905 1080 802
Computer Intrusion 0 0 0 0 9
Consumer Loan Fraud 1148 2048 2185 2549 2417
Counterfeit Check 2317 4244 5918 7396 5795
Counterfeit Credit/Debit Card 385 387 182 351 441
Counterfeit Instrument (Other) 212 292 265 321 236
Credit Card Fraud 3375 5083 4383 4938 4077
Debit Card Fraud 245 610 566 721 879
Defalcation/Embezzlement 3136 5306 5260 5179 3819
False Statement 1807 2204 1978 2376 2076
Misuse of Position or Self Dealing 914 1537 1645 2063 1296
Mortgage Loan Fraud 1265 1719 2268 2936 2088
Mysterious Disappearance 1168 1767 1855 1857 1450
Wire Transfer Fraud 284 499 594 772 588
Other 4600 6777 8696 8755 6817
Unknown/Blank 1652 2317 2728 7295 4569

10 Represents those SARs currently in the system as of 31 August 2000.


Chart 6
SAR Filings by Characterization
of Suspicious Activity (Matrix)

Regulator Total Filings by Year
  1996 1997 1998 1999 200011
Federal Reserve Board 5486 9676 10798 14656 11790
Federal Deposit
Insurance Corporation
9839 14908 14735 15883 12818
Office of the Comptroller
of the Currency
25072 41722 51879 64946 59299
Office of Thrift Supervision 2071 2624 2846 3041 2159
National Credit Union Association 5760 9133 11463 12316 9798
Unspecified12 1558 3534 5211 9664 6031

11 Represents those SARs currently in the system as of 31 August 2000.
12 Unspecified regulator may include those financial and/or non-bank financial institutions not
regulated by one of the five agencies listed above. Such entities include, but are not limited to
Money Services Businesses, Insurance Companies and Securities Brokers/Dealers.


Chart 7
Direct Referrals of SARs by Financial Institutions
to Law Enforcement 13 & Regulatory Agencies

Agency Referrals
Federal Law Enforcement  
Federal Bureau of Investigation 10849
Internal Revenue Service 6937
United States Secret Service 3522
United States Postal Inspection Service 1396
United States Attorney’s Office 167
Department of the Treasury 117
United States Customs Service 98
Department of State 43
Naval Criminal Investigative Service 18
Drug Enforcement Administration 17
Detroit Computing Center 14
Department of Justice 11
Total Federal Law Enforcement 23,189
   
Federal Regulatory Agencies  
Federal Deposit Insurance Corporation 44
Federal Reserve Board 32
Office of the Comptroller of the Currency 30
Total Regulatory Agencies
106
 
 
State and Local Law Enforcement  
City Police Department 9424
County/Parish 1391
State Police 598
State/District Attorney’s Office 207
State (Other) 41
Total State and Local Law Enforcement 11,661
   
Other 594
Unspecified 486

13 Figures reflect those entities receiving ten (10) or more SAR referrals. Some SARs may
reference making referrals to multiple law enforcement agencies.

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Last Updated 11/17/2000 communications@fdic.gov

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