Risk Management Manual of Examination Policies - FDIC

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REPORT OF INVESTIGATION INSTRUCTIONS Section 18.1 I. Opening Remarks ANYWHERE BANK (PROPOSED) MEETING WITH PROPONENTS MAY 15, 2002 AGENDA A. Acquaint Directors With Their Responsibilities and Liabilities B. Apprise Organizers of Regulatory Involvement and Concerns II. Directors Responsibilities A. Sound, Independent Business Judgment a. Candid, Open Discussion of Bank Business b. Documentation of Decisions and Expression of Dissent Within the Board Minutes c. Confidentiality and Integrity B. Informed of All Facets of Bank, Operations, Regulatory Environment, Competitive Environment a. Management, Reports, UBPRs b. Report of Examination and Visitation c. Internal and External Audit Reports d. Trade Publications, Seminars, Meetings C. Direct the Bank in a Prudent Manner a. Establish goals, policies and strategies b. Hire Suitable Management to Implement Goals c. Monitor Management's Compliance with Board Directives d. Discipline or Dismiss Management as Necessary D. Build Business for the Bank E. Ethical Conduct and Policy a. Regulation O b. Represent the Bank in Your Community III. Director Liability A. Can be Personally Liable for Losses Arising From a. Legal lending Limit Violations b. Insider Transactions c. Bank Failures B. Civil Money Penalties C. Civil Suites (Shareholders) for Breaches of Report of Investigation Instructions (12-04) 18.1-18 DSC Risk Management Manual of Examination Policies Federal Deposit Insurance Corporation
REPORT OF INVESTIGATION INSTRUCTIONS Section 18.1 a. Duty of Care b. Duty of Knowledge aa. Willful Ignorance is not a Defense Against Liability for Negligence D. Board Minutes are Legal Record and Vehicle for Expressing Dissent IV. Ongoing Regulatory Involvement A. Pre-opening Visitation B. New bank Visitation C. Examinations a. Safety and Soundness b. IS/Other Specialty c. Compliance V. Why Banks Fail A. Bad Loans – Poor underwriting, selection of risk, etc.. B. Poor Funds Management C. Pursuit of Earnings with High-Risk Lending and Investment D. Bad Management; Lack of Board Supervision DSC Risk Management Manual of Examination Policies 18.1-19 Report of Investigation Instructions (12-04) Federal Deposit Insurance Corporation
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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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BANK OF ANYTOWN ANYTOWN ANY COUNTY
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Examination Conclusions and Comment
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Risk Management Assessment 99999 1.
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Violations of Laws and Regulations
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Information Technology Assessment (
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Fiduciary Activities Assessment (Co
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Comparative Statements of Financial
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Recapitulation of Securities 99999
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Items Subject to Adverse Classifica
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Analysis of Loans Subject to Advers
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Assets with Credit Data or Collater
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Page 595 and 596: Confidential - Supervisory Section
Page 597 and 598: In-House Information Technology 999
Page 599 and 600: Directors/Trustees and Officers 999
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
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Page 649 and 650: FINANCIAL HISTORY AND CONDITION Ass
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Page 665 and 666: GENERAL CHARACTER OF THE MANAGEMENT
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Risk Management Manual of Examination Policies - FDIC

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