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FDIC Federal Register Citations
First National Bank, Bemidji
From: Marshall Froyd [mailto:mfroyd@fnbbemidji.com]
Sent: Tuesday, October 19, 2004 3:32 PM
To: Comments
Subject: RIN No 3064-AC50
Thank you for taking this time to try to reduce some of the regulatory
burden placed on small community banks. For the small banks to be faced with
the same expenses for regulations as the very large banks does not make for
wise reasoning. The ratio of expenses to footings becomes much larger the
smaller a bank is. To raise this threshold to $1 billion seems to be a
practical option.
Marshall Froyd
Loan Officer
First National Bank, Bemidji
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