Risk Management Manual of Examination Policies - FDIC

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Analysis of Other Real Estate Owned Subject to Adverse Classification 99999 DESCRIPTION SUBSTANDARD DOUBTFUL LOSS TOTAL Book Value at Last Examination: 08/13/2003 672 18 690 Reductions: Additions: Not Now Adversely Classified Sales With Outside Financing Sales With Financing Provided By Subject Institution Now Classified Substandard Now Classified Doubtful Now Classified Loss 100 100 Charged-Off 18 18 TOTAL REDUCTIONS 100 18 118 Not Adversely Classified Previously 550 550 Further Advances - ORE or Loans Not Adversely Classified Previously Transferred from Previously Adversely Classified Loans Further Advances - ORE or Loans 3 3 Adversely Classified Previously ORE From Credits Newly Extended Previously Classified Substandard ORE 100 100 Previously Classified Doubtful ORE Previously Classified Loss ORE TOTAL ADDITIONS 553 100 653 Book Value at This Examination: 06/30/2004 1,125 100 1,225 24
Assets with Credit Data or Collateral Documentation Exceptions 99999 This Page includes assets with technical defects not corrected during the examination. The appropriate number or description is noted in the “Deficiency Description” column. 1 - Appraisal 6 - Collateral Assignment 2 - Title Search or Legal Opinion 7 - Financial Statement 3 - Borrowing Authorization 8 - Inadequate Income/Cash Flow Information 4 - Recordation 9 - Livestock Inspection 5 - Insurance 10 - Crop Inspection LOANS Name or Description Amount Date of Most Recent Financial Statement AMHILL, MARC 400 None 7 BODY, CHARLES 1,932 12/31/2002 7 C&C MARINA 1,973 06/30/2002 7 GOETZ, MICHAEL 1,538 1, 6 IMA DEADBEAT, LTD. 270 4, 6 JENNINGS, JENNIFER 1,866 1, 5, 6 KRINGLE, CHRISTOPHER 750 5, 6 Gty: Eight Tiny Reindeer None 7 LAST CHANCE MOTEL, INC. 560 3, 4, 6 TOTAL 9,289 Total represents 33 percent of the dollar volume of loans reviewed. OTHER REAL ESTATE OWNED ONE WAY HOME, INC. PROPERTY 550 1 ROLLY HOLLY PROPERTY 675 1, 5 TOTAL 1,225 Total represents 100 percent of the dollar volume of ORE reviewed. 25 Deficiency Description
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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 535 and 536: 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
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Page 611 and 612: Position Analysis - Other Currencie
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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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Risk Management Manual of Examination Policies - FDIC

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