Consolidated Assets $3 Billion or Less
Companies with consolidated assets of $3 billion or less are subject to a predominantly offsite "review" program. The review process is generally triggered by our receipt of the report of examination for the organization's lead bank.
- The FREQUENCY of review is generally determined by the size and condition of the organization's lead bank.
- The DEPTH of review is dictated by the company's complexity—a determination that is a function of the nature and scope of the nonbanking and/or financial activities and also involves other factors such as the level of consolidated risk management functions, the existence of significant public debt, and so on.
- Noncomplex companies receive less detailed reviews, while complex or weakened companies receive more detailed reviews that, in some cases, may include an onsite visit by examiners.
- RESULTS of the review are generally communicated to the company's board of directors through a brief letter format.
Consolidated Assets Greater Than $3 Billion
Companies with more than $3 billion in consolidated assets are subject to a risk-focused inspection program that generally includes examiners working onsite.
- The FREQUENCY of inspections depends on the size of the organization and the scope of any nonbanking or financial activities.
- Generally, companies in sound condition with consolidated assets between $3 billion and $5 billion are subject to inspection every 24 months.
- Companies with consolidated assets greater than $5 billion are subject to an inspection every 12 months.
- Companies found to be in a weakened condition are subject to closer supervision and will likely be inspected on a more frequent basis.
- RESULTS of the inspection are generally communicated to the company's board of directors through a formal report of inspection.
Supervisory Rating System for Holding Companies with Total Consolidated Assets Less Than $100 billion External LinkBank Holding Company Supervision Manual
Guidance for conducting inspections of bank holding companies and their non-bank subsidiaries
Inspection Frequency and Scope Requirements for Bank Holding Companies and Savings and Loan Holding Companies with Total Consolidated Assets of $10 Billion or Less
Applying Supervisory Guidance and Regulations on the Payment of Dividends, Stock Redemptions, and Stock Repurchases at Bank Holding Companies
Consolidated Supervision of Bank Holding Companies and the Combined U.S. Operations of Foreign Banking Organizations
External LinkSR 00-13
Framework for Financial Holding Company Supervision