Bank Financial Information
as of the September 30, 2014 Call Report
Regulatory Enforcement Actions Updated Weekly

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The iBank Monitor database has been updated with September 30, 2014 Call Report financial information as well as a re-fresh of all new regulatory enforcement actions and terminations. As a result, the iBank Monitor Watch List improved to 379 banks this week representing $142.6 billion in total assets. The FDIC's September 30, 2014 quarterly report mentioned the existence of 329 "problem" banks, the identity of which have not been publicly disclosed.

While the iBank Monitor Watch List contains 50 more banks than the FDIC's "problem" bank count, the difference is attributable to regulators' long standing delay in coordinating and terminating enforcement actions for banks and their holding companies. The existence of open/non-terminated enforcement actions against a bank or its holding company are automatic triggers for inclusion on the iBank Monitor Watch List.


The total count of iBank Monitor Critical List banks is now 36 with total assets of $14.5 billion down from 41 banks based on the June 30th Call Report data.  

For tenured Critical List banks, the story remains the same - their assets are shrinking, management continues to write off or work out troubled assets, and capital has been depleted in anticipation of being rescued, sold or closed. During the height of the banking crisis the Critical List hovered around 120 banks at any given time, and today the norm has settled to a much lower level.

For comprehensive Watch and Critical List bank reports and schedules, please visit refer to specific website pages.

iBank Monitor Critical List

iBank Monitor Critical List identifies the most troubled U.S. banks using a proprietary financial screening process. Excluding quarter to date bank failures, the Critical List contains 36 banks with combined total assets of $14.5 billion.

The Critical List methodology evaluates the following attributes in relation to all banks:

  • Risk Based Capital Ratios,
  • The level of Non Performing Loans and Other Real Estate Owned (OREO),
  • Tangible Equity,
  • Net Income (Loss), and
  • The existence of Regulatory Prompt and Corrective Capital Enforcement Actions.

iBank Monitor Watch List

The iBank Monitor Watch List contains
 379 banks representing $142.6 billion in total assets which continues to improve as additional regulatory enforcement actions are terminated. The Watch List is based on the analysis of current financial information and public regulatory enforcement actions and attempts to identify and correlate bank names to the quarterly list of FDIC "troubled banks".

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Regulatory Enforcement Actions

Our Regulatory Enforcement Action database is continually updated, focusing on bank asset quality enforcement directives. The result is a single, comprehensive source of
Regulatory Enforcement Actions which include: formal agreements, consent orders, cease and desist orders,and prompt and corrective actions.

While the FDIC, Office of the Comptroller of the Currency (OCC) and the Federal Reserve Bank (FRB) each have separate enforcement action search pages, which are sporadically updated, they can be cumbersome to review.

Our Subscribers, however, can access detailed Regulatory Enforcement Action Lists including custom search features as well as a concise list of all outstanding Prompt and Correction Actions.

** December 31, 2014 Issue **

The December 31, 2014 Community Bank Stock Price Volatility Survey is now available on our affiliated website Volatility Informatics.

This issue represents our twenty ninth consecutive quarterly Survey of U.S. community banks - a trusted source for bank CFO's and CPA's since 2007.

Volatility Informatics provides:

  • Support for Stock Price Volatility Assumptions for Equity Grant Fair Value calculations using Black Scholes Models to comply with ASC 718 (FAS 123R).
  • Independent objective information to maintain CPA / Client Audit Independence.
  • Custom Studies and Fair Value consultations.

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