Trust Examiner School eBook

Internal Use Only

What is a Trust Company? • Stand-alone

• CAMELS ratings may be assigned • Earnings component is standardized • Regulators: • If nationally chartered, OCC • If state chartered • State & FRB if bank in org chart • State only if not

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)