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1999 Annual Report: Bridging Into the Future State of California

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Golden Gate University School of Law GGU Law Digital Commons California Agencies California Documents 1999 1999 Annual Report: Bridging Into the Future State of California. Department of Financial Institutions Follow this and additional works at: http://digitalcommons.law.ggu.edu/caldocs_agencies Part of the Other Law Commons Recommended Citation State of California. Department of Financial Institutions, "1999 Annual Report: Bridging Into the Future" (1999). California Agencies. Paper 152. http://digitalcommons.law.ggu.edu/caldocs_agencies/152 This Cal State Document is brought to you for free and open access by the California Documents at GGU Law Digital Commons. It has been accepted for inclusion in California Agencies by an authorized administrator of GGU Law Digital Commons. For more information, please contact [email protected]. Bridging into the Future CALIFORNIA DEPARTMENT OF FINANCIAL INSTITUTIONS BRIDGING DEPARTMENT OF FINANCIAL INSTITUTIONS 1999 ANNUAL REPORT DEPARTMENT INTO THE FUTURE 1999 Annual Report MISSION STATEMENT The mission of the California State Department of Financial Institutions is to serve the people of the State of California by providing the best, highest-quality, state-of-the-art supervision of the State Regulatory and Supervision System for commercial banking, savings and loan associations, credit unions, industrial loan companies (thrift and loans), trust companies and special licensees (issuers of travelers checks and money orders and trans- miters of money abroad). Such supervision and regulation should: 0 Provide leadership in regulatory matters; 0 Maintain the safety and soundness of a strong and competitive financial services system; 0 Be responsive to the needs of its licensees; 0 Protect the interests of depositors, creditors, customers and security holders of licensees; and 0 Be performed in an efficient, quality-conscious, cost-effective, competitive and businesslike manner. 1999 ANNUAL REPORT 1 TABLE OF CONTENTS Commissioner’s Comments . .7 Credit Unions . .65 Highlights of 1999 . .12 Financial Data as of December 31, 1999 . .65 Department Activities . .14 Profile of Credit Unions . .67 Consumer Services . .14 Selected Financial Data as of December 31, 1999 . .68 Accreditation . .15 Roster . .77 Examination Program . .16 Thrift and Loan Associations . .85 Division of Credit Unions . .17 Financial Data as of December 31, 1999 . .85 Technology . .17 Profile of Thrift and Loan Associations . .87 Training . .17 Selected Financial Data as of December 31, 1999 . .88 Assessments . .18 Roster . .89 Surveys . .18 Premium Finance Companies . .90 Legislation and Regulations . .19 Selected Financial Data as of December 31, 1999 . .90 Executive Committee . .23 Roster . .92 Organization Chart . .24 Trust Companies . .94 Statement of the Financial Institutions Fund . .26 Selected Financial Data as of December 31, 1999 . .96 Statement of the Credit Union Fund . .27 Roster . .97 Department of Financial Institutions Roster . .28 Foreign Banks . .98 State of the Industry . .33 Financial Data as of December 31, 1999 . .98 Structure Activity Report . .36 Selected Financial Data as of December 31, 1999 .100 State-Chartered Banks . .36 Roster . .103 Credit Unions . .38 Savings and Loan Associations . .108 Industrial Loan Companies . .40 Financial Data as of December 31, 1999 . .108 Thrift and Loan Associations . .40 Profile of State-Chartered Savings and Loan Associations . .110 Premium Finance Companies . .41 Selected Financial Data as of December 31, 1999 .111 Trust Companies and Departments . .42 Roster . .111 Foreign Banks . .43 Special Licensees . .112 Savings and Loan Associations . .45 Roster . .112 Special Licensees . .46 Business and Industrial Development Liquidations Pending . .47 Corporation . .115 State Chartered Banks . .48 Roster . .115 Financial Data as of December 31, 1999 . .48 Profile of State Chartered Banks . .50 Selected Financial Data as of December 31, 1999 . .51 Roster . .58 1999 ANNUAL REPORT 5 COMMISSIONER’S COMMENTS IN GENERAL 1999 witnessed the dawn of a new century and, for me, marked a complete year as Acting Commissioner of the Department of Financial Institutions (DFI). Despite the worries about whether computers would be able to recognize the Year 2000 (Y2K),I am pleased to report the transition was made satisfactorily. During 1999, the Y2K problem continued as a significant concern to the financial services industry and its regulators. DFI devoted significant resources to programs Jan Lynn Owen designed to ensure that licensees dealt with the problem, and worked cooperatively with federal and other state agencies in this endeavor. We worked diligently on assuring that our in-house computers were Y2K compliant. During the month of November I participated in a Y2K media event sponsored by the Federal Reserve Bank of San Francisco and the Federal Deposit Insurance Corporation. These meetings were held in both Los Angeles and San Francisco. Panelists were Donna Tanoue, Chairman of the FDIC, Robert Parry, President of the Federal Reserve Bank of San Francisco, and myself. The press directed questions to the panel concerning Y2K preparedness in the banking system. For much of the world the millennium rollover was a non-event. However, this was due to the tremendous amount of hard work and effort directed at identifying and correcting potential problems before they had a chance to adversely affect the industry and public. While Y2K was a non-event, it was a non-event created by the effort of the staffs of licensees, federal regulators, DFI, and other agencies. I wish to extend to them my sincere gratitude for that effort. As a matter of departmental pride I am pleased to report the accreditation of DFI by both the National Association of State Credit Union Supervisors, and the Conference of State Bank Supervisors. Accreditation by these professional associations demonstrates that DFI meets or exceeds stringent national regulatory standards, and shows the high quality of the regulatory supervision that DFI provides. In order to maintain our level of proficiency DFI employed fifteen new staff members in 1999. We have also taken steps to adopt a continuous testing program to ensure that our recruitment efforts keep pace with the competition to employ excellent candidates. Acting Commissioner Jan Lynn Owen (right) joined FDIC Chairman Donna Tanoue and Federal Reserve Bank of San Francisco President Robert Parry on a Y2K Panel at the Federal Reserve Bank of San Francisco in November 1999. 1999 ANNUAL REPORT 7 COMMISSIONER’S COMMENTS LICENSEES IN THE COMMUNITY DFI serves the ethnically and financially diverse population of our state by licensing and regulating providers of financial services in a variety of industry segments. Licensees under these programs range from large sophisticated corporations to very small family businesses. For example, DFI regulates issuers of payment instruments (money orders) and travelers checks, as well as a licensee called a transmitter of money abroad. Many of these companies are licensed in more than one of these programs.The 68 licensees of these instruments employ over 11,000 California agents. These licensees provide extremely valuable services to many California consumers. Many of the agents of these licensees are located in areas where banking offices have been closed. Because the financial instruments issued by these entities are not federally insured, the responsibility for protecting the public from economic loss is high. Most users of money orders are persons who either choose not to use a bank, or who have no access to banking facilities. The 12 issuers of payment instruments and their agents sold in excess of $76 billion during 1999, with a sizeable annual growth of 13.5%. The transmitters of money abroad statutes date to the early 1900’s when they were established to address a specific need at the time for “immigrant banking”. They have been in continuous service since then. Currently there are 49 such licensees. Sales in 1999 exceeded $3 billion and represented an annual growth of 19.2%. Their clients transmitted funds globally, with major destinations for the funds being Poland, Mexico, the Philippines,Vietnam and Central America. Other destination points include India, Pakistan, Sri Lanka and Bangladesh. The importance of the small business community to the state and national economies is widely recognized. In the United States, small businesses represent 99.7% of all employers and employ 53% of the private nonfarm workforce. They account for 47% of all sales in the country and are responsible for 51% of the private gross domestic product. In order to survive, small businesses must have access to credit, and a key supplier of credit to small firms is the commercial banking system. Some 67% of all small firms that borrow from traditional sources do so from commercial banks. Of a total of $668 billion in small business credit outstanding from traditional sources, commercial banks supplied 54%, a much larger share than the 13% supplied by finance companies, the next most prominent lender. In recent studies, small-business-friendly banks were more profitable compared to banks that made few small business loans. I am pleased to report that state-chartered banks accounted for six of the top ten small business lenders in California, according to the most recent information available from the Small Business Administration. 8 CALIFORNIA DEPARTMENT OF FINANCIAL INSTITUTIONS COMMISSIONER’S COMMENTS LICENSEE PERFORMANCE IN 1999 The depository institutions
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