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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additional assessment asset quality Bank Board bank holding company banking industry banking organizations banking system billion capital requirements cash CEBA Chairman commercial banks committee condition continue cost of funds countries debt depositors earnings economic estimate examination Expense failed banks FDIC Federal Deposit Insurance Federal Home Loan Ferguson & Company FINANCIAL RATIOS FSLIC GAAP going GREENBAUM Home Loan Bank increase insolvent institutions insolvent thrifts insurance fund interest rates issue liabilities liquidity loan loss Loss on Sale merger moral hazard mortgage Mortgage Loan national banks net interest margin Net operating income percent premium problem banks Profit on Sale question ratio real estate regulators REGULATORY CAPITAL resolve return on assets risk savings and loan sector securitization SEIDMAN Senator GARN Senator GRAHAM Senator RIEGLE Southwest Plan supervisory Texas thrift industry thrift institutions tion total assets transactions W.C. Ferguson
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218. lappuse - As its former president and chairman of its policy committee, I welcome the opportunity to appear before this committee on behalf of S.
449. 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.
365. lappuse - Management-driven weaknesses played a significant role in the decline of 90 percent of the failed and problem banks the OCC evaluated.
487. lappuse - ... debt securities of another savings association 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 in paragraphs (b) (1) and (2) of this section, a Federal savings association may invest up to one percent of its assets in commercial paper and corporate debt securities not otherwise prohibited by section 28(d) of the Federal Deposit Insurance Act, as added by...
456. lappuse - In other words, you have to know where you are, where you want to go, and how to get there.
371. lappuse - In fact, eight of every 10 failed banks were judged to have had a board or management that was overly aggressive to some degree. The lending and operating practices of many of these banks also reflected problems. For example, failed banks frequently exhibited: • Inappropriate lending policies: liberal repayment terms, collection practices, or credit standards (found in 86 percent of the failed banks); 'Note...
13. lappuse - The CHAIRMAN. Without objection, that will be printed in full in the record.
349. lappuse - Federal banking agency — (A) the quality of such banking institution's assets has been impaired by a protracted inability of public or private borrowers in a foreign country to make payments on their external indebtedness...
369. lappuse - We found oversight and management deficiencies to be the primary factors that resulted in bank failure. In fact, poor policies, planning, and management were significant causes of failure in 89 percent of the banks surveyed. The quality of a bank's board and management depends on the experience, capability, judgment, and integrity of its directors and senior officers. Banks that had directors and managers with significant shortcomings made up a large portion of the banks that we surveyed. These studies...