2003 Volume 15, No. 2

Differentiating Among Critically Undercapitalized Banks and Thrifts | HTML
by Lynn Shibut, Tim Critchfield, and Sarah Bohn

The authors examine FDIC-insured institutions that became critically undercapitalized from 1994 through 2000 to develop improvements to prompt corrective action (PCA) or the supervisory process. Institutions are grouped by outcome, differences between groups are analyzed, and the results and implications for supervisory policies are discussed.

Do Local Economic Data Improve Off-Site Bank-Monitoring Models? | HTML
by Daniel A. Nuxoll, John O'Keefe, and Katherine Samolyk

The health of the economy clearly affects the health of the banking industry. But could the FDIC use current economic data to forecast the future performance of banks? This article attempts to address this question and finds that while state-level economic data is an important explanation of the past, it has limited usefulness for forecasting the future.

Recent Developments Affecting Depository Institutions | HTML
by Lynne Montgomery

This regular feature of the FDIC Banking Review contains information on regulatory agency actions, state legislation and regulation, and articles and studies pertinent to banking and deposit insurance issues.

Banking Review - 2003 - Vol. 15 No. 2, Full Edition
(449kb PDF File - PDF help or hard copy)

The views expressed are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation. Articles may be reprinted or abstracted if the FDIC Banking Review and author(s) are credited. Please provide the FDIC's Division of Insurance and Research with a copy of any publications containing reprinted material.
Single-copy subscriptions are available to the public free of charge. Requests for subscriptions, back issues or address changes should be mailed to: FDIC Banking Review, Public Information Center, 801 17th Street, N.W., Washington, DC 20434.

Chairman Donald E. Powell

Director, Division of Insurance and Research Arthur J. Murton

Deputy Director Fred Carns

Executive Editor George Hanc

Managing Editors Jack Reidhill, Lynn Shibut

Publication Manager Geri Bonebrake