Home » Uncategorized » A Structural View of U.S. Bank Holding Companies

A Structural View of U.S. Bank Holding Companies

Avraham, Selvaggi, and Vickery, New York Fed, A Structural View of U.S. Bank Holding Companies, here. Looks like there is a distinct  possibility that enough data is mandated to be reported that you can step into enough information to place where assets and liabilities reside not only in the Bank Holding Company, but in the subs. It could be worth investing in the data infrastructure to track this global data. It is sort of Google scale.

In general, the idea that the Front Office Bank technology dominates the Back Office and Treasury technology is not crazy. The Front Office Tech is typically staffed with smart folks but is far less than competitive. So, I would guess Treasury lags even further behind, uniformly. These folks have $15TN  in assets and liabilities in the US that they are managing manually. I think there is a opening here.

Large banking organizations in the United States are generally organized according to a bank holding company (BHC) structure. In this article, we describe the organizational structure of large U.S. bank holding companies and present summary statistics that document the increasing size, complexity, and diversity of these organizations. We also outline the different types of regulatory data filed with the Federal Reserve by U.S. bank holding companies and describe the strengths and weaknesses of these data, as a source for researchers and others interested in these organizations.

The key source of consolidated financial data on U.S. BHCs is the FR Y-9C Consolidated Report of Condition and Income, which is completed on a quarterly basis by each BHC with at least $500 million in total assets. The Y-9C provides data on the financial condition of the firm, based on U.S. GAAP consolidation rules, as well as the capital position of the consolidated entity. The balance sheet and income data include items similar to those contained in SEC filings; however, the Y-9C also contains a rich set of additional information, including data on regulatory capital and risk-weighted assets, off-balance sheet exposures, securitization activities, delin- quency statistics on different types of loans, and so on. Since comparability across firms is important for regulatory purposes, the Y-9C and other reporting forms tend to be more prescriptive about the way financial data is measured and reported than U.S. GAAP-based reporting.

Financial Data on BHCs and Their Subsidiaries

FR Y-9C, Consolidated Financial Statements of Bank Holding Companies

FR Y-9LP, Parent Company Only Financial Statements for Large Bank Holding Companies

FR Y-9SP, Parent Company Only Financial Statements for Small Bank Holding Companies

FFIEC 031, Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices

FFIEC 041, Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only

FR Y-11/FR Y-11S, Financial Statements of U.S. Nonbank Subsidiaries of U.S. Bank Holding Companies

FR 2314/S, Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations

FFIEC 030/030S, Foreign Branch Report of Condition/ Abbreviated Foreign Branch Report of Condition

 

BankRegData.com, here.

 

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