Examiners conduct commercial bank examinations and bank holding company inspections to evaluate the soundness of the institution's assets and the effectiveness of its internal operations, policies and management. Examiners analyze asset quality, capital, earnings and liquidity and assess the institution's sensitivity to certain risks. They also check for compliance with banking laws and regulations.
Examiners routinely review and analyze off-site monitoring reports to track the overall condition of institutions and identify those that fail to meet financial criteria. Those that fail are scheduled for additional off- or on-site review.
Supervision, Regulation & Credit