Rates Current as of Thursday February 09, 2012

Bank Supervision

Oversight of individual banks to ensure that they are operated prudently and in accordance with applicable statutes and regulations.

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Banking & CD FAQs

Does the interest earned on a CD need to be reported as income?

Yes. The bank where you have your CD should have sent you Form 1099-INT stating how much interest you earned last year. A duplicate will have been sent to the IRS so the government knows about your interest earnings. If you didn’t receive one give the bank a call.

What is the Texas Ratio as it applies to a bank financial health?

The Texas ratio is a measure of a bank’s financial strength and standing by evaluating the ratio of non-performing loans to its equity position. The ratio measures loans in default against the present capital base taking into consideration loan loss allowances.

A deposit was credited to my account by mistake. Can the bank freeze the account?

Yes. The bank may freeze the account to ensure that no funds are withdrawn before the error is corrected. Or the bank may place a hold on the deposit.

What should someone invest his or her short-term savings in?

Short term savings should be liquid, which means they should be easily turned into cash. Short-term savings should be secure and not be subject to the loss of principal. To meet these requirements the best products are FDIC insured bank products such as money market deposit accounts, short term CDS, and savings accounts

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Bank Supervision

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