Risk Management Manual of Examination Policies - FDIC

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Loans and Lease Financing Receivables 99999 Date: 06/30/2004 Category: Amount Percent Real Estate Loans 21,938 40.53 Installment Loans 7,058 13.04 Credit Card and Related Plans 90 0.17 Commercial Loans 22,292 41.18 All Other Loans and Leases 2,753 5.09 Gross Loans and Leases 54,131 100.00 PAST DUE AND NONACCRUAL LOANS AND LEASES Date: 06/30/2004 Category Past Due 30 through 89 Days and Accruing Past Due 90 Days or More and Accruing Total Past Due and Accruing Percent of Category Nonaccrual Nonaccrual Percent of Category Real Estate Loans 800 44 844 3.85 1,402 6.39 Installment Loans 125 125 1.77 107 1.52 Credit Card and Related Plans 3 3 3.33 Commercial and All Other Loans and Leases 626 626 2.50 554 2.21 Totals Memorandum Restructured Loans and Leases Included in the Above Totals 1,554 44 1,598 2.95 2,063 3.81 Footnotes: 18
Recapitulation of Securities 99999 Description HELD-TO-MATURITY AVAILABLE-FOR-SALE Amortized Cost Fair Value Amortized Cost Fair Value U.S. Treasury Securities 1,537 1,593 U.S. Government Agency Obligations Issued by U.S. Gov’t Agencies 2,550 2,554 Issued by U.S. Gov’t-sponsored Agencies Issued by States & Political Subdivisions 250 250 Mortgage-backed Securities (MBS) Pass-through Securities: Guaranteed by GNMA 7,322 7,415 Issued by FNMA and FHLMC Other pass-through securities Other MBS (include CMOs & REMICs): Issued or Gtd. by FNMA, FHLMC, or GNMA Collateralized by MBS Issued or Gtd. by FNMA, FHLMC, or GNMA All Other Mortgage-Backed Securities Asset-backed Securities (ABS) Credit Card Receivables Home Equity Lines Automobile Loans Other Consumer Loans Commercial and Industrial Loans Other Other Debt Securities Other Domestic Debt Securities Foreign Debt Securities 1,000 1,000 Equity Securities Investments in Mutual Funds and Other Equity Securities with Readily 919 919 Determinable Fair Values Totals: 2,787 2,843 10,791 10,888 SECURITIES APPRECIATION (DEPRECIATION) Description Held-to-Maturity Available-for-Sale Total Securities Appreciation (Depreciation) 56 97 153 As a Percent of Amortized Cost 2.01 0.90 1.13 Footnotes: 19
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DSC Risk Management Manual of Exami
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INDEX Section 0.1 Policies, Procedu
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INDEX Section 0.1 Liquidity Managem
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INDEX Section 0.1 Introduction 14.1
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BASIC EXAMINATION CONCEPTS AND GUID
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CAPITAL Section 2.1 INTRODUCTION Pu
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CAPITAL Section 2.1 Interests in As
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CAPITAL Section 2.1 the holder prio
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CAPITAL Section 2.1 • Qualifying
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CAPITAL Section 2.1 application sub
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CAPITAL Section 2.1 may leave the b
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CAPITAL Section 2.1 procedures empl
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CAPITAL Section 2.1 growth and rema
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ASSET QUALITY Section 3.1 INTRODUCT
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LOANS Section 3.2 INTRODUCTION The
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LOANS Section 3.2 Qualifications of
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LOANS Section 3.2 to the ALLL), an
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LOANS Section 3.2 PORTFOLIO COMPOSI
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LOANS Section 3.2 • Require reaso
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LOANS Section 3.2 Internal Controls
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LOANS Section 3.2 continue to suppo
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LOANS Section 3.2 board of director
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LOANS Section 3.2 the institution's
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LOANS Section 3.2 such as for lives
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LOANS Section 3.2 Classification Gu
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LOANS Section 3.2 checks; terms in
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LOANS Section 3.2 • Sublicensee B
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LOANS Section 3.2 similar propertie
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LOANS Section 3.2 policies and proc
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LOANS Section 3.2 Moreover, since t
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LOANS Section 3.2 generally should
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LOANS Section 3.2 exercise control
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LOANS Section 3.2 Problems in this
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LOANS Section 3.2 that reveal other
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LOANS Section 3.2 Other loans of qu
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LOANS Section 3.2 be determined whe
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LOANS Section 3.2 time period elaps
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LOANS Section 3.2 individual apprai
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LOANS Section 3.2 controls over its
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LOANS Section 3.2 consistent with t
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LOANS Section 3.2 such funds, the m
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LOANS Section 3.2 security interest
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LOANS Section 3.2 unambiguous terms
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LOANS Section 3.2 Trustees are sele
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LOANS Section 3.2 be valid but cert
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LOANS Section 3.2 Overview of the S
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LOANS Section 3.2 Although some ins
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LOANS Section 3.2 • Portfolio gro
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LOANS Section 3.2 pricing decisions
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LOANS Section 3.2 trends, condition
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LOANS Section 3.2 provide additiona
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SECURITIES AND DERIVATIVES Section
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CASH AND DUE FROM BANKS Section 3.4
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CASH AND DUE FROM BANKS Section 3.4
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PREMISES AND EQUIPMENT Section 3.5
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PREMISES AND EQUIPMENT Section 3.5
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OTHER REAL ESTATE Section 3.6 Under
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OTHER ASSETS AND LIABILITIES Sectio
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OFF-BALANCE SHEET ACTIVITIES Sectio
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MANAGEMENT Section 4.1 INTRODUCTION
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MANAGEMENT Section 4.1 consequently
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MANAGEMENT Section 4.1 overdue, ren
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MANAGEMENT Section 4.1 money launde
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MANAGEMENT Section 4.1 management l
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MANAGEMENT Section 4.1 • An adequ
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MANAGEMENT Section 4.1 • Troubled
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MANAGEMENT Section 4.1 management i
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INTERNAL ROUTINE AND CONTROLS Secti
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RELATED ORGANIZATIONS Section 4.3
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RELATED ORGANIZATIONS Section 4.3 c
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RELATED ORGANIZATIONS Section 4.3 U
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RELATED ORGANIZATIONS Section 4.3 i
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RELATED ORGANIZATIONS Section 4.3 A
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RELATED ORGANIZATIONS Section 4.3 c
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RELATED ORGANIZATIONS Section 4.3 S
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RELATED ORGANIZATIONS Section 4.3 w
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RELATED ORGANIZATIONS Section 4.3 r
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RELATED ORGANIZATIONS Section 4.3 A
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FIDELITY AND OTHER INDEMNITY PROTEC
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VIOLATIONS OF LAWS AND REGULATIONS
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VIOLATIONS OF LAWS AND REGULATIONS
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MISCELLANEOUS BANKING ACTIVITIES Se
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EARNINGS Section 5.1 structure will
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EARNINGS Section 5.1 demand is low)
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EARNINGS Section 5.1 2. Certain dir
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EARNINGS Section 5.1 capital and al
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LIQUIDITY AND FUNDS MANAGEMENT Sect
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SENSITIVITY TO MARKET RISK Section
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BANK SECRECY ACT, ANTI-MONEY LAUNDE
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BANK FRAUD AND INSIDER ABUSE Sectio
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SUSPICIOUS ACTIVITY AND CRIMINAL VI
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INTERNATIONAL BANKING Section 11.1
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APPLICATIONS Section 12.1 Effective
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APPLICATIONS Section 12.1 for compa
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APPLICATIONS Section 12.1 be tantam
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APPLICATIONS Section 12.1 accept sh
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APPLICATIONS Section 12.1 consideri
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APPLICATIONS Section 12.1 accepted
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APPLICATIONS Section 12.1 The FDIC
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APPLICATIONS Section 12.1 employee
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APPLICATIONS Section 12.1 including
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APPLICATIONS Section 12.1 Branch cl
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APPLICATIONS Section 12.1 its accep
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APPLICATIONS Section 12.1 examinati
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MEMORANDUMS OF UNDERSTANDING Sectio
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CIVIL MONEY PENALTIES Section 14.1
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CMP MATRIX (Continued) Points Sugge
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FORMAL ADMINISTRATIVE ACTIONS Secti
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REPORT OF EXAMINATION INSTRUCTIONS
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Page 529 and 530: REPORT OF EXAMINATION INSTRUCTIONS
Page 561 and 562: BANK OF ANYTOWN ANYTOWN ANY COUNTY
Page 563 and 564: Examination Conclusions and Comment
Page 571 and 572: Risk Management Assessment 99999 1.
Page 573 and 574: Violations of Laws and Regulations
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Page 577 and 578: Fiduciary Activities Assessment (Co
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Page 601 and 602: INTERNATIONAL REPORT PAGES AND WORK
Page 603 and 604: Analysis of the Country Exposure Ma
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Page 611 and 612: Position Analysis - Other Currencie
Page 613 and 614: Revaluation and Income/Loss Analysi
Page 615 and 616: Policy and Procedures 99999 1. (a)
Page 617 and 618: Policy and Procedures (Continued) 9
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Page 623 and 624: REPORT OF INVESTIGATION INSTRUCTION
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REPORT OF INVESTIGATION INSTRUCTION
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FDIC Report of Investigation THIS R
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Description of the Transaction INVE
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FINANCIAL HISTORY AND CONDITION Ass
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FINANCIAL HISTORY AND CONDITION (Co
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ADEQUACY OF THE CAPITAL STRUCTURE G
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ADEQUACY OF THE CAPITAL STRUCTURE (
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FUTURE EARNINGS PROSPECTS Assess th
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FUTURE EARNINGS PROSPECTS (Continue
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GENERAL CHARACTER OF THE MANAGEMENT
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IV. GENERAL CHARACTER OF THE MANAGE
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Interview Comments IV. GENERAL CHAR
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RISK TO THE FUNDS As a general matt
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VI. CONVENIENCE AND NEEDS OF THE CO
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OTHER PERTINENT INFORMATION If appl
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Source: Application for Federal Dep
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Service Continuity & Monitoring OTH
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