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Finance and Economics Discussion Series: Data for paper 2011-43

How Do Joint Supervisors Examine Financial Institutions? The Case of State Banks

Marcelo Rezende

Figure 1: Bank Examinations by Type

Year Percentage of Joint Examinations Percentage of Concurrent Examinations Percentage of Independent Examinations
1980 7.81213671239247 13.0899790746338 79.0978842129737
1982 8.87045309508615 10.0191448627951 81.1104020421187
1984 4.12950115626032 5.18665345226297 90.6838453914767
1987 7.3202614379085 5.29411764705882 87.3856209150327
1990 6.02196245129295 4.85299326957138 89.1250442791357
1992 6.56990068754775 5.08021390374332 88.3498854087089
1993 6.47985989492119 7.96847635726795 85.5516637478109
1998 21.8472468916519 2.39786856127886 75.7548845470693
2001 23.371104815864 1.13314447592068 75.4957507082153
2004 30.0293685756241 0.440528634361234 69.5301027900147

Note: The data used in the figure are restricted to states with valid observations in all the editions of the Profile of State-Chartered Banking from 1981 to 2004/2005. Data on examinations in 1995 contained in the 1996 edition were not used because in this edition the number of independent examinations was not explicitly reported. The states included are AL CA DE FL GA IA ID IL MI MT NC ND NJ NM OH OK OR PA TN and WA. The 2000 edition of the profile does not include data on examinations of state-chartered banks.

Figure 2: Joint vs. Concurrent Examinations

Year Percentage joint with the FDIC Percentage joint with the Fed
1980 47.6047904191617 7.79220779220779
1982 60.774818401937 15.0837988826816
1984 56.3218390804598 25
1987 64.7249190938511 31.1688311688312
1990 64.4444444444444 30.4878048780488
1992 57.7272727272727 52.9411764705882
1993 41.0958904109589 52.2522522522522
1995 46.8926553672316 78.125
1998 87.5621890547264 97.2222222222222
2001 94.5833333333333 97.1698113207547
2004 98.1651376146789 100

Note: The data used in the figure are restricted to states with valid observations in all the editions of the Profile of State-Chartered Banking from 1981 to 2004/2005. The states included are AL CA DE FL GA IA ID IL MI MT NC ND NJ NM OH OK OR PA TN and WA. The 2000 edition of the profile does not include data on examinations of state-chartered banks.

Figure 3: Participation in Cooperative Examination Programs

Year Percentage of States with Programs with the FDIC Percentage of States with Programs with the Fed
1981 44.6808510638298 31.9148936170213
1983 61.7021276595745 38.2978723404255
1985 44.6808510638298 38.2978723404255
1987 36.1702127659575 42.5531914893617
1989 72.3404255319149 72.3404255319149
1991 76.5957446808511 72.3404255319149
1993 85.1063829787234 76.5957446808511
1995 89.3617021276596 85.1063829787234
1998 91.4893617021277 89.3617021276596
2000 97.8723404255319 89.3617021276596
2002 100 87.2340425531915

Note: The data used in the figure are restricted to states with valid observations in all the editions of the Profile of State-Chartered Banking from 1981 to 2004/2005. The states included are AK AL AR AZ CA CO CT DE FL GA HI IA ID IL IN KS KY LA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK PA RI SD TN TX UT VA VT WA WI WV AND WY. The 2004 edition of the Profile does not include data on participation in cooperative examination programs.

Figure 4: Percentage of Examinations in 1992 and Budget Allocated to Supervision

Ano State Budget Allocated to Commercial Bank Supervision in 1992 (US$ millions) Percentage of Independent Examinations in 1992
1992 AK 0.19 0.4
1992 AL 3.22 0.875
1992 AR 4.793562 0.949579831932773
1992 AZ 0.393077 0.0869565217391304
1992 CA 15.535 0.643835616438356
1992 CO 2.353 0.772151898734177
1992 CT 1.811822 0.745762711864407
1992 DE 1.065735 0.476190476190476
1992 FL 3.5203 1
1992 GA 6.157579 1
1992 HI 0.3545 0
1992 IA 5.396835 1
1992 ID 0.785702 0.533333333333333
1992 IL 13.7144 0.986559139784946
1992 IN 3.034606 0.851063829787234
1992 KS 2.268963 1
1992 KY 2.307795 0.440559440559441
1992 LA 3.848104 0.644927536231884
1992 MA 0.428297 0.84297520661157
1992 MD 0.282527 0.342465753424658
1992 ME 0.72 0.588235294117647
1992 MI 5.4829 0.803921568627451
1992 MN 3.558 0.995145631067961
1992 MO 3.960357 0.986175115207373
1992 MS 1.5224 1
1992 MT 0.802636 0.916666666666667
1992 NC 1.798826 0.833333333333333
1992 ND 0.797823 1
1992 NE 2.71187 0.971830985915493
1992 NJ 1.863 0.611111111111111
1992 NM 0.74438 0.551724137931034
1992 NV 0.681007 0
1992 OH 4.873287 0.772727272727273
1992 OK 2.310264 0.729357798165138
1992 OR 3.073116 0.78125
1992 PA 2.508714 0.550847457627119
1992 PR 0.946 0.5
1992 RI 0.106864 0.875
1992 SC 0.960731 0.959183673469388
1992 SD 0.770299 1
1992 TN 4.0405 0.950704225352113
1992 TX 9.4283 0.948402948402948
1992 UT 0.793 0.304347826086957
1992 VA 4.907475 0.971014492753623
1992 VT 0.639375 0.111111111111111
1992 WA 1.045 0.807692307692308
1992 WI 3.297 0.989051094890511
1992 WV 1.198565 0.716666666666667
1992 WY 0.8 0.576923076923077

Note: Accreditation data were obtained from www.csbs.org. The data do not contain information on the budget allocated to commercial bank supervision for NH and NY in 1992.

Figure 5: Number of State Banks in 1984 and Year of First Accreditation

State State Name Year of First CSBS Accreditation Number of State Banks in 1984
AL Alabama 1996 194
AK Alaska 2006 9
AZ Arizona 1996 36
AR Arkansas 1988 181
CA California 1990 282
CO Colorado 1991 198
CT Connecticut 1986 36
DE Delaware 1996 17
FL Florida 1986 245
GA Georgia 1992 327
HI Hawaii 1990 7
ID Idaho 1990 18
IL Illinois 1984 837
IN Indiana 1988 267
IA Iowa 1985 524
KS Kansas 1995 463
KY Kentucky 1992 257
LA Louisiana 1989 235
ME Maine 1996 17
MD Maryland 1992 63
MA Massachusetts 1994 53
MI Michigan 1986 246
MN Minnesota 1990 539
MS Mississipi 1996 119
MO Missouri 1987 586
MT Montana 2004 113
NE Nebraska 1993 338
NJ New Jersey 1986 50
NM New Mexico 1996 51
NY New York 1985 82
NC North Carolina 1997 45
ND North Dakota 1992 137
OH Ohio 1989 170
OK Oklahoma 1994 310
OR Oregon 1992 65
PA Pennsylvania 1986 131
SD South Dakota 2007 115
TN Tennessee 1987 233
TX Texas 1993 856
UT Utah 1994 51
VT Vermont 1995 15
VA Virginia 1999 126
WA Washington 1990 78
WV West Virginia 1996 124
WI Wisconsin 1988 468
WY Wyoming 1992 58

Note: Accreditation data were obtained from www.csbs.org. DC NV NH RI and SC had not been accredited yet as of November 2009.

Figure 6: State Banks' Assets in 1984 and Year of First Accreditation

State State Name Year of First CSBS Accreditation Assets of State banks in 1984 (US$ billion)
AL Alabama 1996 0.01111289
AK Alaska 2006 0.002141817
AZ Arizona 1996 0.007149433
AR Arkansas 1988 0.007352844
CA California 1990 0.07418322
CO Colorado 1991 0.007191466
CT Connecticut 1986 0.008569419
DE Delaware 1996 0.0130921
FL Florida 1986 0.022956353
GA Georgia 1992 0.017591542
HI Hawaii 1990 0.007959436
ID Idaho 1990 0.001425078
IL Illinois 1984 0.054690829
IN Indiana 1988 0.018974381
IA Iowa 1985 0.019346592
KS Kansas 1995 0.012628584
KY Kentucky 1992 0.016045982
LA Louisiana 1989 0.018165333
ME Maine 1996 0.002591447
MD Maryland 1992 0.012303231
MA Massachusetts 1994 0.019074663
MI Michigan 1986 0.032639264
MN Minnesota 1990 0.014496313
MS Mississipi 1996 0.008146079
MO Missouri 1987 0.025668594
MT Montana 2004 0.003383237
NE Nebraska 1993 0.006461219
NJ New Jersey 1986 0.014089137
NM New Mexico 1996 0.003372546
NY New York 1985 0.301238464
NC North Carolina 1997 0.011599903
ND North Dakota 1992 0.00361823
OH Ohio 1989 0.015946472
OK Oklahoma 1994 0.01143599
OR Oregon 1992 0.004244235
PA Pennsylvania 1986 0.034897252
SD South Dakota 2007 0.002888227
TN Tennessee 1987 0.014352715
TX Texas 1993 0.060388596
UT Utah 1994 0.00343978
VT Vermont 1995 0.002296735
VA Virginia 1999 0.022198263
WA Washington 1990 0.004415528
WV West Virginia 1996 0.005660274
WI Wisconsin 1988 0.021078267
WY Wyoming 1992 0.001632056

Note: Accreditation data were obtained from www.csbs.org. DC NV NH RI and SC had not been accredited yet as of November 2009.

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