The Banking Supervision and Regulation (BS&R) Division of the Federal Reserve Bank of San Francisco supervises and regulates financial holding companies (FHCs), bank holding companies (BHCs), savings and loan holding companies (SLHCs), and state-chartered member banks (SMBs) in the Twelfth Federal Reserve District, which includes Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon, Utah, and Washington. BS&R also supervises all overseas and international operations owned by District banks, BHCs, FHCs, and SLHCs as well as U.S. branches, agencies, and nonbank operations of foreign banks located in the District.
We work with other federal and state authorities to promote safety and soundness in the operation of the financial industry and fair and equitable treatment of consumers in their financial transactions. We do this through processing applications and through on-site examinations, off-site monitoring, and enforcement actions, when warranted.
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12th District Banking Profile: Second Quarter 2012
Posted October 5, 2012
This Banking Profile explores some key metrics by "Asset Quality" ratings assigned by bank supervisors. For example, based on nationwide bank data, banks rated "1" or "2" (satisfactory or better) typically have total classification ratios of 41% or lower, noncurrent loan ratios of 2.9% or lower, net charge-off ratios of 0.9% or lower, and ALLL / Noncurrent loan multiples of 0.5x or higher. |
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Supervisory Spotlight
Posted September 26, 2012
This issue highlights a few of the new rules and proposals being issued by federal regulatory agencies, and raises ongoing risks for community banks associated with mobile devices and vendor management.
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Economic Trends & Conditions
Posted September 19, 2012
An overview
of national and regional economic issues of relevance to financial
institutions. |
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Challenges in Global Finance: The Role of Asia
Posted September 7, 2012
This Asia Focus summarizes underlying themes discussed during the Conference on Asian Banking and Finance, entitled "Challenges in Global Finance: The Role of Asia," held in San Francisco on June 11-12, 2012. |
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First Glance 12L - Second Quarter 2012
Posted August 21, 2012
The report, subtitled "Banks Recovering – But Still Have a Long Way to Go", provides updated details on the recovery of District banks from the impact of the Great Recession. |
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Real Estate Lending Risks Monitor
Posted June 25, 2012
This monitor highlights some positive signs for housing markets in the west. Declining inventories of for-sale homes and other factors suggest that this year's "spring bump" in housing may be different than the past few years. Commercial real estate markets also are seeing positive trends. |
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