2022 Trust Examiner School - Presentations

Internal Use Only

What is a Trust Department? • Part of a bank

• Not assigned CAMELS ratings • Earnings component based on size • Regulators: • If nationally chartered, OCC • If state chartered, State & Federal agencies (FDIC, FRB)

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Internal Use Only

What is a Trust Company? • Stand-alone

• Assigned CAMELS ratings • Earnings component is standardized • Regulators: • If nationally chartered, OCC • If state chartered

• State & FRB if bank in org chart • State only if not

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