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ROCA REPORT CARD

ROCA REPORT CARD. Presented to Institute of International Bankers March 4, 2008. ROCA REPORT CARD 2007 Overview. 3 Exam cycle review Branches and Agencies Only 95 Examinations versus 97 in 2006. ROCA REPORT CARD Trend 2005 to 2007. ROCA REPORT CARD.

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ROCA REPORT CARD

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  1. ROCA REPORT CARD Presented to Institute of International Bankers March 4, 2008

  2. ROCA REPORT CARD2007 Overview • 3 Exam cycle review • Branches and Agencies Only • 95 Examinations versus 97 in 2006

  3. ROCA REPORT CARDTrend 2005 to 2007

  4. ROCA REPORT CARD • Average ratings this exam cycle versus prior exam cycles • Year 2005 2006 2007 • Risk 1.83 1.79 1.85 • Operations 1.94 1.95 1.97 • Compliance 2.05 2.07 2.22 • Asset Quality 1.40 1.26 1.23

  5. ROCA REPORT CARD

  6. ROCA REPORT CARD

  7. ROCA REPORT CARD • Composite • Most recent exam 1.99 • Prior exam cycle 1.97 • Slight decline in the average composite ROCA • Risk Management , Compliance, and Operations declined • Asset Quality Improved

  8. ROCA REPORT CARD • Risk – 7 Upgrades, 11 downgrades • Operations - 7 upgrades 9 downgrades • Compliance 2 upgrades, 15 downgrades • Asset quality- 9 upgrades 4 downgrades

  9. ROCA REPORT CARD • Changes of 2 grades, all downgrades • Seen in all components, no composite ratings • 1 each Risk, Ops, Compliance, Asset Quality

  10. ROCA REPORT CARD • This data includes both Continuous supervision and point in time exams. • Alternate year and joint agency exams included. • Exams performed by FRBNY, FDIC and NYS

  11. ROCA REPORT CARD • David S. Fredsall • Deputy Superintendent • Foreign and Wholesale Banks Division • New York State Banking Department • david.fredsall@banking.state.ny.us • www.banking.state.ny.us

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