Democracy and Public Administration
The true measure of the successful practice of public service is its ability to remain faithful to the tenets of democratic society. This text links the practice of public administration to the core concepts of American democracy. It covers the various aspects of public administration in the context of ''delivering democracy'' in public service.
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ability action activities addition adequacy adequate administration agency application appropriate areas assessment assets assign associated audit auditors authority bank capital changes communications complete compliance component composite concern condition consider consumer continue corrective critical deficiencies deposit determine directors documentation earnings effective employees ensure environment establish evaluation examiners existing external factors Federal Reserve files financial institution foreign function funds Handbook identify implementation important indicates institution's integrity interest internal audit internal controls issues laws limited loan losses maintain meet ment monitor needs officer operations organization overall payments performance potential practices prevent problems procedures processing protection rating system receive records reflects regulators regulatory reports requirements responsible result risk management senior significant sound specific standards subsidiaries supervision supervisory terminal testing tion transactions transfer violations weaknesses
Página 35 - Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation.
Página 6 - To exercise by its board of directors, or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt...
Página 155 - A 1 rating is indicative of management that is fully effective with respect to almost all factors and exhibits a responsiveness and ability to cope successfully with existing and foreseeable problems that may arise in the conduct of the bank's affairs. A 2 rating reflects some deficiencies but generally indicates a satisfactory record of performance in light of the bank's particular circumstances.
Página 125 - The volume and severity of weaknesses or unsafe and unsound conditions are so critical as to require urgent aid from stockholders or other public or private sources of financial assistance.
Página 50 - NCUA, the Office of the Comptroller of the Currency ("OCC"), the Board of Governors of the Federal Reserve System ("Board"), the Federal Deposit Insurance Corporation ("FDIC"), and the Office of Thrift Supervision ("OTS").
Página 126 - In assigning a composite rating, all relevant factors must be weighed and evaluated. In general, these factors include: the adequacy of the capital base, net worth and reserves for supporting present operations and future growth plans; the quality of loans, investments and other assets; the ability to generate earnings to maintain public confidence, cover losses and provide adequate security and return to depositors; the ability to manage liquidity and funding; the ability to meet the community's...
Página 127 - ... future growth plans; the quality of loans, investments and other assets; the ability to generate earnings to maintain public confidence, cover losses and provide adequate security and return to depositors; the ability to manage liquidity and funding; the ability to meet the community's or membership's legitimate needs for financial services and cover all maturing deposit obligations; and the ability of management to properly administer all aspects of the financial business and plan for future...
Página 155 - ... generally indicates a satisfactory record of performance in light of the bank's particular circumstances A rating of 3 reflects performance that is lacking in some measure of competence desirable to meet responsibilities of the situation in which management is found. Either it is characterized by modest talent when above-average abilities are called for, or it is distinctly below average for the type and size of bank in which it operates. Thus, its responsiveness or ability to correct less than...
Página 130 - A 3 asset rating indicates a situation involving an appreciable degree of concern, especially to the extent that current adverse trends suggest potential future problems. Ratings 4 and 5...