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Can State Bank Examination Data Replace FDIC Examination Visits


  • Mark J. Flannery


In order to compare asset classification data generated by FDIC and state examiners, safety and soundness examination data were compared for 96 California insured nonmember banks that had been examined independently by the state and FDIC within seven months of one another. Two major conclusions emerge. First, regression analysis indicated that examination conclusions can be replicated accurately across individuals and agencies. (This does not imply that examiners generate new or economically valuable information, though replicability is a necessary condition for that conclusion.) Second, it is shown how FDIC might utilize state examination reports to determine which bank’s safety and soundness examinations can be waived without compromising its supervisory responsibilities. Significant supervisory resources could be saved or re-allocated if FDIC were to accept selected state examination reports in lieu of its own.

Suggested Citation

  • Mark J. Flannery, "undated". "Can State Bank Examination Data Replace FDIC Examination Visits," Rodney L. White Center for Financial Research Working Papers 13-79, Wharton School Rodney L. White Center for Financial Research.
  • Handle: RePEc:fth:pennfi:13-79

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    Cited by:

    1. Linda Allen & Julapa Jagtiani & James Moser, 2001. "Further Evidence on the Information Content of Bank Examination Ratings: A Study of BHC-to-FHC Conversion Applications," Journal of Financial Services Research, Springer;Western Finance Association, vol. 20(2), pages 213-232, October.

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