The Office of the Comptroller of the Currency was created by Congress to charter national banks, to oversee a nationwide system of banking institutions, and to assure that national banks are safe and sound, competitive and profitable, and capable of serving in the best possible manner the banking needs of their customers.

Publications: Commercial Credit Risk Trends (Percent of Banks) Past 12 Months Next 12 Months Increased No Change Decreased Increased No Change Decreased 2002 53 40 7 57 33 10 2003 41 47 13 45 45 10 2004 19 60 21 23 63 14 2005 21 62 17 38 57 5 2006 30 57 13 48 48 3 2007 43 52 5 58 41 1