FRB: Finance and Economics Discussion Series: Data

Figure 1: Bank Examinations by Type

Year	Percentage of Joint Examinations	Percentage of Concurrent Examinations	Percentage of Independent Examinations
1980	7.81213671239247	13.0899790746338	79.0978842129737
1982	8.87045309508615	10.0191448627951	81.1104020421187
1984	4.12950115626032	5.18665345226297	90.6838453914767
1987	7.3202614379085	5.29411764705882	87.3856209150327
1990	6.02196245129295	4.85299326957138	89.1250442791357
1992	6.56990068754775	5.08021390374332	88.3498854087089
1993	6.47985989492119	7.96847635726795	85.5516637478109
1998	21.8472468916519	2.39786856127886	75.7548845470693
2001	23.371104815864	1.13314447592068	75.4957507082153
2004	30.0293685756241	0.440528634361234	69.5301027900147

Note: The data used in the figure are restricted to states with valid observations in all the editions of the Profile of State-Chartered Banking from 1981 to 2004/2005. Data on examinations in 1995 contained in the 1996 edition were not used because in this edition the number of independent examinations was not explicitly reported. The states included are AL CA DE FL GA IA ID IL MI MT NC ND NJ NM OH OK OR PA TN and WA. The 2000 edition of the profile does not include data on examinations of state-chartered banks.

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Figure 2: Joint vs. Concurrent Examinations

Year	Percentage joint with the FDIC	Percentage joint with the Fed
1980	47.6047904191617	7.79220779220779
1982	60.774818401937	15.0837988826816
1984	56.3218390804598	25
1987	64.7249190938511	31.1688311688312
1990	64.4444444444444	30.4878048780488
1992	57.7272727272727	52.9411764705882
1993	41.0958904109589	52.2522522522522
1995	46.8926553672316	78.125
1998	87.5621890547264	97.2222222222222
2001	94.5833333333333	97.1698113207547
2004	98.1651376146789	100

Note: The data used in the figure are restricted to states with valid observations in all the editions of the Profile of State-Chartered Banking from 1981 to 2004/2005. The states included are AL CA DE FL GA IA ID IL MI MT NC ND NJ NM OH OK OR PA TN and WA. The 2000 edition of the profile does not include data on examinations of state-chartered banks.

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Figure 3: Participation in Cooperative Examination Programs

Year	Percentage of States with Programs with the FDIC	Percentage of States with Programs with the Fed
1981	44.6808510638298	31.9148936170213
1983	61.7021276595745	38.2978723404255
1985	44.6808510638298	38.2978723404255
1987	36.1702127659575	42.5531914893617
1989	72.3404255319149	72.3404255319149
1991	76.5957446808511	72.3404255319149
1993	85.1063829787234	76.5957446808511
1995	89.3617021276596	85.1063829787234
1998	91.4893617021277	89.3617021276596
2000	97.8723404255319	89.3617021276596
2002	100	87.2340425531915

Note: The data used in the figure are restricted to states with valid observations in all the editions of the Profile of State-Chartered Banking from 1981 to 2004/2005. The states included are AK AL AR AZ CA CO CT DE FL GA HI IA ID IL IN KS KY LA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK PA RI SD TN TX UT VA VT WA WI WV AND WY. The 2004 edition of the Profile does not include data on participation in cooperative examination programs.

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Figure 4: Percentage of Examinations in 1992 and Budget Allocated to Supervision

Ano	State	Budget Allocated to Commercial Bank Supervision in 1992 (US$ millions)	Percentage of Independent Examinations in 1992
1992	AK	0.19	0.4
1992	AL	3.22	0.875
1992	AR	4.793562	0.949579831932773
1992	AZ	0.393077	0.0869565217391304
1992	CA	15.535	0.643835616438356
1992	CO	2.353	0.772151898734177
1992	CT	1.811822	0.745762711864407
1992	DE	1.065735	0.476190476190476
1992	FL	3.5203	1
1992	GA	6.157579	1
1992	HI	0.3545	0
1992	IA	5.396835	1
1992	ID	0.785702	0.533333333333333
1992	IL	13.7144	0.986559139784946
1992	IN	3.034606	0.851063829787234
1992	KS	2.268963	1
1992	KY	2.307795	0.440559440559441
1992	LA	3.848104	0.644927536231884
1992	MA	0.428297	0.84297520661157
1992	MD	0.282527	0.342465753424658
1992	ME	0.72	0.588235294117647
1992	MI	5.4829	0.803921568627451
1992	MN	3.558	0.995145631067961
1992	MO	3.960357	0.986175115207373
1992	MS	1.5224	1
1992	MT	0.802636	0.916666666666667
1992	NC	1.798826	0.833333333333333
1992	ND	0.797823	1
1992	NE	2.71187	0.971830985915493
1992	NJ	1.863	0.611111111111111
1992	NM	0.74438	0.551724137931034
1992	NV	0.681007	0
1992	OH	4.873287	0.772727272727273
1992	OK	2.310264	0.729357798165138
1992	OR	3.073116	0.78125
1992	PA	2.508714	0.550847457627119
1992	PR	0.946	0.5
1992	RI	0.106864	0.875
1992	SC	0.960731	0.959183673469388
1992	SD	0.770299	1
1992	TN	4.0405	0.950704225352113
1992	TX	9.4283	0.948402948402948
1992	UT	0.793	0.304347826086957
1992	VA	4.907475	0.971014492753623
1992	VT	0.639375	0.111111111111111
1992	WA	1.045	0.807692307692308
1992	WI	3.297	0.989051094890511
1992	WV	1.198565	0.716666666666667
1992	WY	0.8	0.576923076923077

Note: Accreditation data were obtained from www.csbs.org. The data do not contain information on the budget allocated to commercial bank supervision for NH and NY in 1992.

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Figure 5: Number of State Banks in 1984 and Year of First Accreditation

State	State Name	Year of First CSBS Accreditation	Number of State Banks in 1984
AL	Alabama	1996	194
AK	Alaska	2006	9
AZ	Arizona	1996	36
AR	Arkansas	1988	181
CA	California	1990	282
CO	Colorado	1991	198
CT	Connecticut	1986	36
DE	Delaware	1996	17
FL	Florida	1986	245
GA	Georgia	1992	327
HI	Hawaii	1990	7
ID	Idaho	1990	18
IL	Illinois	1984	837
IN	Indiana	1988	267
IA	Iowa	1985	524
KS	Kansas	1995	463
KY	Kentucky	1992	257
LA	Louisiana	1989	235
ME	Maine	1996	17
MD	Maryland	1992	63
MA	Massachusetts	1994	53
MI	Michigan	1986	246
MN	Minnesota	1990	539
MS	Mississipi	1996	119
MO	Missouri	1987	586
MT	Montana	2004	113
NE	Nebraska	1993	338
NJ	New Jersey	1986	50
NM	New Mexico	1996	51
NY	New York	1985	82
NC	North Carolina	1997	45
ND	North Dakota	1992	137
OH	Ohio	1989	170
OK	Oklahoma	1994	310
OR	Oregon	1992	65
PA	Pennsylvania	1986	131
SD	South Dakota	2007	115
TN	Tennessee	1987	233
TX	Texas	1993	856
UT	Utah	1994	51
VT	Vermont	1995	15
VA	Virginia	1999	126
WA	Washington	1990	78
WV	West Virginia	1996	124
WI	Wisconsin	1988	468
WY	Wyoming	1992	58

Note: Accreditation data were obtained from www.csbs.org. DC NV NH RI and SC had not been accredited yet as of November 2009.

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Figure 6: State Banks' Assets in 1984 and Year of First Accreditation

State	State Name	Year of First CSBS Accreditation	Assets of State banks in 1984 (US$ billion)
AL	Alabama	1996	0.01111289
AK	Alaska	2006	0.002141817
AZ	Arizona	1996	0.007149433
AR	Arkansas	1988	0.007352844
CA	California	1990	0.07418322
CO	Colorado	1991	0.007191466
CT	Connecticut	1986	0.008569419
DE	Delaware	1996	0.0130921
FL	Florida	1986	0.022956353
GA	Georgia	1992	0.017591542
HI	Hawaii	1990	0.007959436
ID	Idaho	1990	0.001425078
IL	Illinois	1984	0.054690829
IN	Indiana	1988	0.018974381
IA	Iowa	1985	0.019346592
KS	Kansas	1995	0.012628584
KY	Kentucky	1992	0.016045982
LA	Louisiana	1989	0.018165333
ME	Maine	1996	0.002591447
MD	Maryland	1992	0.012303231
MA	Massachusetts	1994	0.019074663
MI	Michigan	1986	0.032639264
MN	Minnesota	1990	0.014496313
MS	Mississipi	1996	0.008146079
MO	Missouri	1987	0.025668594
MT	Montana	2004	0.003383237
NE	Nebraska	1993	0.006461219
NJ	New Jersey	1986	0.014089137
NM	New Mexico	1996	0.003372546
NY	New York	1985	0.301238464
NC	North Carolina	1997	0.011599903
ND	North Dakota	1992	0.00361823
OH	Ohio	1989	0.015946472
OK	Oklahoma	1994	0.01143599
OR	Oregon	1992	0.004244235
PA	Pennsylvania	1986	0.034897252
SD	South Dakota	2007	0.002888227
TN	Tennessee	1987	0.014352715
TX	Texas	1993	0.060388596
UT	Utah	1994	0.00343978
VT	Vermont	1995	0.002296735
VA	Virginia	1999	0.022198263
WA	Washington	1990	0.004415528
WV	West Virginia	1996	0.005660274
WI	Wisconsin	1988	0.021078267
WY	Wyoming	1992	0.001632056