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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank



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Report on Underwriting Practices


1 The section "Purpose and Design of the Report" lists additional loan categories.

2 In contrast to previous law, which allowed traditional subsidies tied to prices and limits on production, this law allowed declining payments to farmers until the year 2002 for certain crops.

3 Low: The level of risk imposed on the institution does not warrant notice by bank supervisors even when factors that might offset the risk are ignored. Medium: The level of risk should be brought to the attention of bank supervisors. There may or may not be factors that offset the risk imposed on the institution; however, the level of risk raises concerns when considered apart from these offsetting factors. High: The level of risk is high and therefore should be brought to the immediate attention of bank supervisors. There may or may not be factors that offset the risk imposed on the institution; however, the level of risk is high when viewed in isolation.

4 Never or infrequently: The institution does not engage in the practice, or does so only to an extent that does not warrant notice by bank supervisors. Frequently enough to warrant notice: The institution engages in the practice often enough for it to be brought to the attention of bank supervisors. There may or may not be factors that offset the risks the practice imposes on the institution. Commonly or as standard procedure: The practice is either common or standard at the institution and therefore should be brought to the attention of bank supervisors. There may or may not be factors that offset the risks the practice imposes on the institution.

5 Anyone who wishes more information about the weights should contact Virginia Olin, DRS, 202/898-8711.

Last Updated 11/02/2001 insurance-research@fdic.gov

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