Risk Management Manual of Examination Policies - FDIC

REPORT OF EXAMINATION INSTRUCTIONS Section 16.1
APPENDIX B – REPORT OF EXAMINATION
GRAMMAR AND PUNCTUATION GUIDE
The general rules and standards contained in this appendix are applicable only to the Report of Examination. The
rules and standards cover matters commonly encountered in examination report comments and are intended to
promote consistency therein. The general rules are not a substitute for writing and grammar guides. Refer to those
resources for formal guidance.
HYPHENATION – ADJECTIVES AND ADVERBS:
General Rule: Hyphenate connected words that function as adjectives or adverbs if they occur before
the word they modify.
Do not hyphenate connected words that function as adjectives or adverbs if they occur
after the word they modify.
Examples:
HYPHENATION - PREFIXES:
A full-scope, on-site examination began on June 30.
June 30 is the date the examiners arrived on site.
The loan is secured by a single-family residence.
A 50-unit complex was for sale.
The apartment complex has 50 units.
General Rule: Words containing prefixes generally do not require hyphens. Include the hyphen after the
prefix if not doing so would cause confusion in sound or meaning.
Examples:
nonaccrual nonperforming subtotal
HYPHENATION - COMPOUND VERBS:
General Rule: Compound verbs can be separate, solid, or hyphenated. If you do not find a compound
verb in a dictionary, write the components as separate words..
Report standards:
charge off paid off write off/ up/ down
HYPHENATION - COMPOUND NOUNS:
General Rule: Compound nouns may be separate, solid, or hyphenated. If you are not certain whether a
compound word should be hyphenated, check a dictionary. If you do not find a
compound noun in a dictionary, hyphenate the components.
Report Standards: charge-off pay-off write-off/-up/-down examiner-in-charge
Report of Examination Instructions (12-04) 16.1-94 DSC Risk Management Manual of Examination Policies
Federal Deposit Insurance Corporation