Chapter 12 Bank Examination and Enforcement

Chapter 12 Bank Examination and Enforcement

56 Pages · 1998 · 423 KB · English

Chapter 12 Bank Examination and Enforcement Introduction The 1980s and early 1990s were undoubtedly a period of greater stress and turmoil for U.S. financial

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Chapter 12 Bank Examination Bank Examination and Enforcement and Enforcement Introduction The 1980s and early 1990s were undoubtedly a period of greater stress and turmoil for U.S. financial institutions than any other since the Great Depression. Over this period more than 1,600 commercial and savings banks insured by the FDIC were closed or received FDIC financial assistance. As a consequence, the bank regulatory system came under in- tense scrutiny, and fundamental questions were raised about its effectiveness in anticipating and limiting the number of bank failures and losses to the deposit insurance fund. Effective supervision can be achieved in two ways: (1) problems can be recognized early, so that corrective measures can be taken and the bank returned to a healthy condition; (2) supervision can limit losses by closely monitoring troubled institutions, limiting their incentives to take excessive risks, and ensuring their prompt closure when they become in- solvent or when their capital falls below some critical level. This chapter reviews and analyzes the bank supervisory system during the 1980s and early 1990s by focusing principally upon bank examination and enforcement polices. The first part surveys the federal agencies’ bank examination policies during the 1980s and early 1990s and discusses how changes in bank supervisory philosophy affected examination staffing and frequency, and what the implications of these policies were for losses to the de- posit insurance fund. The second part presents a retrospective on the effectiveness of bank supervisory tools used during this period, focusing on the ability to identify troubled banks and the ability to limit risk taking in these institutions by applying enforcement actions. The final part of the chapter discusses the implications for the bank supervisory process of the Prompt Corrective Action (PCA) provisions of the Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA). An appendix describes the bank examination process, including the bank rating system and the nature and types of regulatory enforcement ac- tions. An Examination of the Banking Crises of

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