Supervisory Insights - Winter 2004 - PDF
Letter from the Director
Articles
Economic Capital and the Assessment of Capital Adequacy
An increasing number of banking organizations are using economic capital methodologies to quantify risk, manage operations based on risk-related performance measures, and allocate capital commensurate with the risk profile of their business activities. Regulatory agencies are incorporating these industry efforts into supervisory evaluations.
Linking International Remittance Flows to Financial Services: Tapping the Latino Immigrant Market
The Latino immigrant market has grown significantly in recent years but remains largely untapped by U.S. banks. This article explores strategies that are being used by some insured institutions to bring "unbanked" immigrants into the banking system.
The Importance of a Loan Policy "Tune-Up"
All insured institutions should have a formal loan policy that reflects a bank's current lending strategies and procedures. This article provides guidance for keeping a policy effective and up to date.
Regular Features
From the Examiner’s Desk . . . A Focus on the Appraiser Referral Process
Bank examiners play a key role in the regulation of the real estate appraisal function. What situations typically result in appraiser referrals by examiners, and how does the referral process work?
Accounting News
The number of insured institutions participating in Mortgage Partnership Finance programs offered by Federal Home Loan Banks continues to increase. This article describes accounting procedures for these programs.
Regulatory and Supervisory Roundup
This feature provides an overview of recently released regulations and supervisory guidance.
Supervisory Insights
Supervisory Insights is published by the Division of Supervision and Consumer Protection of the Federal Deposit Insurance Corporation to promote sound principles and best practices for bank supervision.
Donald E. Powell
Chairman
Michael J. Zamorski
Director, Division of Supervision and Consumer Protection
George E. French
Executive Editor
Journal Executive Board
Donna J. Gambrell, Deputy
Director
John M. Lane, Deputy Director
Sandra L. Thompson, Deputy
Director
Ronald F. Bieker, Regional Director
John F. Carter, Regional Director
Nancy E. Hall, Regional Director
Scott M. Polakoff, Regional
Director
Mark S. Schmidt, Regional Director
Christopher J. Spoth, Regional
Director
Journal Staff
Kim E. Lowry
Managing Editor
John S. Wholeben
Financial Writer
James J. Willemsen
Financial Writer
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The views expressed in Supervisory Insights are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation. In particular, articles should not be construed as definitive regulatory or supervisory guidance. Some of the information used in the preparation of this publication was obtained from publicly available sources that are considered reliable. However, the use of this information does not constitute an endorsement of its accuracy by the Federal Deposit Insurance Corporation.