Surveys Show Bankers in 3 Farm States Generally Satisfied with Bank Exams

By Bennett, Andrea | American Banker, December 30, 1985 | Go to article overview

Surveys Show Bankers in 3 Farm States Generally Satisfied with Bank Exams


Bennett, Andrea, American Banker


CHICAGO -- Bankers in Kansas, Nebraska, and Oklahoma are generally satisfied with examinations by their regulators, according to surveys.

Despite pressure on bank portfolios from the farm crisis and charges that some regulators are too tough on deteriorating farm loans, Nebraska and Oklahoma bankers rated their examinations highly.

Kansas bankers also gave high marks to their state regulator's examinations. But they were more critical of the Federal Deposit Insurance Corp. FDIC officials said the timing of the survey and the low number of FDIC-examined banks responding to the pool may have distorted the results.

The nearly identical surveys were conducted since September by the banking associations in the three states. Bankers were asked to rate examinations by their state regulators, the FDIC, the Comptroller of the Currency, and the Federal Reserve. The first three generated a good number of responses, but too few answers concerning the Fed were received to draw any conclusions.

In the Nebraska survey, 95% of the responding banks examined by the state rated the exam either good or average. Almost 90% of the responding banks examined by the FDIC gave it a similar rating. The examiners were also given high marks for being objective in classifying loans, and for valuing assets at a level consistent with current market values.

The survey conducted in October by the Nebraska Bankers Association tallied responses from 199 banks. The Federal Reserve conducted exams at only two of the banks responding to the poll.

Mel Adams, president of the Nebraska Bankers Association, said the survey was not scientific but that the association believed it accurately reflected the bankers' feelings.

The Oklahoma survey showed similar results: 96% of the nakers polled rated their examination good or average, and only 4% felt they had received a poor examination.

Results from the Oklahoma survey were not broken donw for individual regulators, said Robert E. Harris, executive vice president of the Oklahoma Bankers Association. The survey received responses from 138 of the state's 538 banks.

"By and large, the examiners got much more favorable marks than I would have guessed," Mr. …

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