Analysis of Congressional proposals for deposit guaranty or insurance, 1886-1933

Digest of bills for insurance or guaranty of bank deposits introduced into

Congress, 1886-1933...

66

68

80

PART FOUR

LEGISLATION AND REGULATIONS

Federal legislation:

Federal Deposit Insurance Act...

105

Laws applicable to Federal Deposit Insurance Corporation and insured banks

National bank conversion act......

133

153

Rules and regulations of the Federal Deposit Insurance Corporation..

State banking legislation..

158

209

LIST OF CHARTS

Organization chart of the Federal Deposit Insurance Corporation..

Map: Federal Deposit Insurance Corporation districts....

A. (Map). Percentage of banks insured, December 31, 1950..

B. (Map). Deposits of insured banks as a percentage of deposits of all banks,

December 31, 1950...

C. Assets of all banks, United States and possessions, December 31, 1945-1950

D. Percentage increase of total loans in all banks, December 31, 1945-1950..

E. Amount and type of loans, insured commercial banks, December 31, 1945-

1950....

F. Ratios of substandard loans and valuation reserves to total loans, insured

commercial banks, 1950....

G. Banks grouped by ratio of total capital accounts to total assets, insured
commercial banks, December 30, 1950...

H. Ratio of total capital accounts to total assets, insured commercial banks,

December 30, 1950.....

I.

J.

Ratio of total capital accounts to risk assets, insured commercial banks,

December 30, 1950...

Sources and disposition of total income, insured commercial banks, 1950..

K. Disposition of net profits after taxes, insured commercial banks, 1935-1950

L. Rate of net profit after taxes on total capital accounts, insured commercial

banks, 1950....

M. Sources and disposition of total income, insured mutual savings banks, 1950

LIST OF TABLES

PART ONE

OPERATIONS AND POLICIES OF THE CORPORATION

PARTICIPATION IN DEPOSIT INSURANCE:

1. Number and deposits of operating banks in the United States and pos-

sessions, December 30, 1950...

5

5

9

ACTION TO PROTECT DEPOSITORS:

2. Losses to depositors and to the Federal Deposit Insurance Corporation in

insured banks in financial difficulties, by years, 1934-1950....

11

3. Number of depositors, amount of deposits, recoveries, and losses in insured

banks placed in receivership or absorbed with the financial aid of the

Corporation, 1934-1950....

12

4. Payment of deposits by the Corporation and by receivers in insured banks

placed in receivership, 1934-1950.......

5. Disbursements to protect depositors, recoveries, and losses by the Cor-

poration from insured banks placed in receivership or absorbed with

its financial aid, 1934-1950....

13

14

6. Estimated losses to the Corporation compared with disbursements, by

year of estimate, 1944-1950..

15

SUPERVISORY ACTIVITIES:

7. Summary of unsafe and unsound banking practices and violations of laws

charged against three banks by the Corporation during 1950..................

19

8. Actions to terminate insured status of banks charged with engaging in

unsafe or unsound practices or violations of law or regulations, 1936-1950

20