Oversight on the Condition of the Financial Services Industry: Hearings Before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundredth Congress, Second Session on Results of the Audit of the Federal Savings and Loan Insurance Corporation ... and the Report of the Bank Regulators ... May 19, 25, and 26, 1988, 4. sējumsU.S. Government Printing Office, 1988 - 555 lappuses |
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assessment Bank Board bank holding company banking system billion cash CEBA Chairman commercial banks committee Congress Copyright 1987 cost of funds debt December 31 Deposit Accounts depositors depository institutions economic estimate examination failed banks FDIC Federal Home Loan Ferguson & Company FINANCIAL RATIOS FSLIC THRIFTS Home Loan Bank incentive compatible INCOME LOSS increase insolvent institutions insolvent thrifts Interest Income interest rates Irving issue liabilities Loan Fees loan loss Loss on Sale merger moral hazard Mortgage Loan N/A N/A national banks net interest margin Non-Operating Expense Non-Operating Income Operating Expense Operating Income percent Preferred Stock premium Profit on Sale ratio real estate regulators REGULATORY CAPITAL reserves resolve risk Sale of Investments Sale of Loans Sale of REO savings and loan SEIDMAN Senator GRAHAM Senator RIEGLE supervisory Texas thrift industry thrift institutions total assets Total Non-Operating Transaction Accounts transactions W.C. Ferguson
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508. lappuse - MORE THAN ANY other time in history, mankind faces a crossroads. One path leads to despair and utter hopelessness. The other, to total extinction. Let us pray we have the wisdom to choose correctly.
457. lappuse - Baker 15," so-called because they are the objects of the "Baker Plan" to respond to the Third World debt problem, are: Argentina, Bolivia, Brazil, Chile, Colombia, Ecuador, Ivory Coast, Mexico, Morocco, Nigeria, Peru, Philippines, Uruguay, Venezuela, and Yugoslavia. about $30 billion more in annual debt service than they are receiving in new loans. This "negative financial transfer...
19. lappuse - ... happy to have you start off, sir. STATEMENT OF FREDERICK D. WOLF, DIRECTOR, ACCOUNTING AND FINANCIAL MANAGEMENT DIVISION, US GENERAL ACCOUNTING OFFICE Mr. WOLF. Thank you, Mr. Chairman. We are pleased to appear today to discuss the results of our audit of the FSLIC, the insurance fund's financial condition, and its ability to deal with the increasing number of insolvent and inadequately capitalized institutions. You have our full statement which we would like to submit for the record. Let me...
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373. lappuse - ... to give us the time to utilize those resources and for the next President and the next Congress to look over our shoulder and into our closets as to what success we have had and what problems remain if any. Senator GRAMM. Well, obviously, we don't know what is going to happen in the future. We don't know how the program is going to work, but you believe, based on the data you have right now and the experience that you have had in implementing your plan, that you can avoid a taxpayer bailout;...
425. lappuse - Management-driven weaknesses played a significant role in the decline of 90 percent of the failed and problem banks the OCC evaluated. Many of the difficulties the banks experienced resulted from inadequate loan policies, problem loan identification systems, and systems to ensure compliance with internal policies and banking law. In other cases, directors...
543. lappuse - ... in connection with the purchase or sale of a branch office or in connection with a supervisory merger or acquisition. (d) Notwithstanding any rating and marketability limitations contained...
512. lappuse - To make decisions you have to know what is going on in your institution and you have to have the means to take action when you need to. In other words, you have to know where you are, where you want to go, and how to get there.
490. lappuse - ... large banks in New York and Chicago used between 13.8 and 66.2 percent of their caps during the week of October 19-26. From these utilization rates, it is apparent that the money center banks had surplus overdraft capacity and so were not likely to delay funds transfers because of the Federal Reserve's overdraft limits. These data lead us to conclude that the daylight overdraft caps did not have an adverse or destabilizing effect on payments activities during the stock market break in October...
505. lappuse - In view of the findings and declarations contained in this subsection, it is the sense of the Congress that it should reaffirm that deposits up to the statutorily described amount in federally insured depository institutions are backed by the full faith and credit of the United States.