Evan Sparks

speaker

248 appearances 5 recordings 1 series first heard Jun 2026 last heard 4 Aug

Evan Sparks’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 5 in all, peaking in Jul 2026 with 3.

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ABA Banking Journal Podcast · Why it might be time to revisit a key FDIC ratio · 23 Jul 2026 podcast

Pat and Brittany, can you give our listeners a quick overview of what of the measurements we're talking about here?

Does designated reserve ratio, minimum reserve ratio, and how these numbers go into the calculations of federal deposit insurance?

What went into that original decision, into that original calculation says we're going to 2%.

You talk about change.

I look at the savings and loan crisis was 40 years ago, and there were a great many more banks then.

We have a completely different regulatory architecture.

Why is this calculations around the savings and loan crisis still driving the calculations that affect the banking system four decades later when so much has changed?

I'm going to take a quick moment to thank our sponsor for this episode, Q2 Software.

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And now back to the conversation with Pat and Brittany.

Brittany, one of the things you guys write about in the paper is the way that the FDIC relied on provisions in how it set this figure in 2010.

Can you talk a little bit more about that and how you see that playing out over the subsequent 16 years?

What's your preliminary analysis of what might be different today in how this gets calibrated versus how it is today or versus how it was in the past if the FDIC were to go through and revisit the simulation?

When I step back, not being an economist, and I step back and I say, all right, if you are having...

And by extension, their customers, their depositors pay more for to recapitalize more than they need to get the diff to a safe level over a long period of time.

That's less money that's available for loans, less money that's available for supporting the operations of the of the bank that support the depositors.

So this has real world implications in for consumers like beyond the walls of the banking industry.

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