Community Bank Consulting, Newsletters and Research
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May 20, 2013
** Reports Updated with December 31, 2012 Call Report Data **
iBank Monitor Critical List
The iBank Monitor Critical List identifies the most troubled U.S. banks using a proprietary financial screening process. Our methodology examines the most recent quarter-end financial information including capital ratios, non performing assets, intangible assets, and net earnings after considering gains/losses from sales of assets as well as loan loss provisions.
Excluding quarter to date bank failures, the Critical List contains 87 Banks with aggregate total assets of $26.6 billion.
Our Critical List continues to be a very reliable predictor of eventual failure, having detected all but a few bank failures since 2008.
(Click on Map for State List Summary)
Our Sponsor
Facing another year-end audit with cumbersome Stock Option and Equity Grant spreadsheets? Call us to fast track your conversion to Stock Informatics.
We also provide assistance with calculating the financial impact of Modifying Underwater Equity Grants.
iBank Monitor Watch List
Our proprietary Watch list is based on analysis of the most current financial information and public regulatory enforcement actions.
(Click on Map for State List Summary)
Troubled Bank Metrics
The December 31, 2012 Community Bank Stock Price Volatility Survey is now available on our affiliated website.
This issue represents our twenty first consecutive quarterly Survey of U.S. community banks - a trusted source for bank CFO's and CPA's since 2007.
Volatility Informatics provides:
- Stock Price Volatility Assumptions for Equity Grant Fair Value calculations using Black Scholes Models.
- Independent objective information to maintain CPA / Client Audit Independence.
- Custom studies and Fair Value consultations.
Regulatory Enforcement 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.
Historically, the FRB and the Office of Thrift Supervision (OTS) held the best track record in publishing their enforcement actions in a timely manner, however, on July 21, 2011 the OTS was absorbed by the OCC. Unfortunately, the OCC and the FDIC make the least timely enforcement action announcements which continues to result in less transparency for the banks they regulate.
Premium subscribers, please click here to access detailed Regulatory Enforcement Action Lists including custom search features as well as a concise list of all outstanding Prompt and Correction Actions.
For more Updates:
Aware of noteworthy community bank announcements in your area pertaining to mergers, acquisitions or capital raises?
Send us the news link at news@ibankmonitor.com.
Useful Links
FDIC Material Loss Reviews prepared by the Office of Inspector General analyzing each failed bank and its regulatory supervision.
* Accredited members of the press working for established media organizations are eligible to receive complimentary access to our Premium content. Additionally, we are pleased to assist with the preparation of custom studies and reports. For media inquiries, please contact Peter Minford.
