Recording

Download the recording (1:08:29 23.5MB MP3)

Presenters

Drew DeSilver, banking and public companies reporter, Seattle Times
Bernie Kohn, investigations editor, Baltimore Sun
Mark Davis, banking reporter, Kansas City Star

Moderator: Marty Steffens, SABEW Chair

To Participate

Those wishing to join to the call should dial (218) 936-7999. You will be prompted for the access code, which is 316748.

SABEW’s training committee welcomes suggestions. Please contact committee chair Josh Mills at joshmills@optonline.net.

Hunting numbers, and more

Mark Davis, The Kansas City Star, 816-234-4372, mdavis@kcstar.com

www.fdic.gov

Summary of Deposits (SOD) – this annual report is due out next month, showing every bank and thrift branch in every county you have an interest in covering. Deposit totals for each branch let’s you rank institutions by local market share. All other banking data that I”™m aware of is for the entire institution, cutting across cities, counties and states.

Institution Directory – this is the database for financial information on whatever list of banks you want to cover. Includes quarterly/annual reports back to 1992, allowing you to see trends and history of a bank’s problems.

Press – this means you. Go to press releases and special alerts and subscribe to email delivery. Will send you an email each time a bank fails anywhere.

Main page – failures also pop up here late on Fridays.

Advance Search – type in: managing commercial real estate concentrations
This document provides the FDIC’s definition of what constitutes a concentration in RE lending. Banks that meet that test are being examined specifically for how they”™re handling concentrations. Applying the 100 percent and 300 percent of total capital tests to your market is a critical step toward building a local bank watch list.

www.ffiec.gov

Enforcement Actions – includes links to search sites for the federal regulatory bodies.

Financial Institution info – links back to FDIC data, Uniform Bank Performance Report and CDR Information Site.

CDR Information Site Public Information – first place bank call reports show up, roughly a month after the quarter ends. Thrift filings take longer to show up and this link sends you to the Thrift Financial Report (TFR) site. All these reports will show up at the FDIC Institution Directory, but not as quickly as through CDR and TFR. CDR reports are clunky pdf files so you”™ll have to crunch ratios yourself. Also, note that they are cumulative not quarterly income statements.

National Information Center – another useful link through FFIEC. It’s got financial reports on bank holding companies. You want the parent-only reports, called Y-9s, because they take the bank’s number out so you can see what the HC’s debt, etc.