Summer 2004 - Table of Contents
Letter from the Director
The FDICs Supervision of Industrial Loan
A Historical Perspective
By reviewing the FDICs experience with the industrial loan company
charter, this article provides factual and historical context for policy
discussions about how supervisors can protect insured entities that
are part of larger organizations.
Compliance Examinations: A Change in Focus
The FDIC has revisited its approach to the compliance examination
process. How has the examination paradigm shifted?
Federal Home Loan Bank Advances: A Supervisory
The results of an FDIC survey provide insights into how community banks
are using Federal Home Loan Bank advances.
Assessing Commercial Real Estate Portfolio Risk
Banks in some metropolitan areas are increasing exposures to
commercial real estate lending during a time of weak market
fundamentals. To understand the level of portfolio risk, supervisors
must "get behind the numbers." An FDIC pilot program in Atlanta
did just that.
From the Examiners Desk
Enactment of the USA PATRIOT Act and changes in the Bank Secrecy Act
(BSA) have heightened the visibility of bank BSA compliance programs.
How are bankers and examiners dealing with these changes?
In response to recent guidance from the American Institute of Certified
Public Accountants, bankers and examiners must take a new approach
to the accounting for purchased impaired loans beginning in 2005. This
article explains how this new approach will affect the bank accounting
Regulatory and Supervisory Roundup
This feature provides an overview of recently released regulations and
Supervisory Insights - PDF 548k (PDF Help)
Supervisory Insights is published by the Division
of Supervision and Consumer Protection of the Federal Deposit Insurance Corporation
to promote sound principles and best practices for bank supervision.
Donald E. Powell
Michael J. Zamorski
Director, Division of Supervision
and Consumer Protection
George E. French
Journal Executive Board
Donna J. Gambrell, Deputy
John M. Lane, Deputy Director
Sandra L. Thompson, Deputy
Ronald F. Bieker, Regional Director
John F. Carter, Regional Director
Nancy E. Hall, Regional Director
Scott M. Polakoff, Regional
Mark S. Schmidt, Regional Director
Christopher J. Spoth, Regional
Kim E. Lowry
John S. Wholeben
James J. Willemsen
Supervisory Insights is available online by visiting
the FDICs website at www.fdic.gov. To provide
comments or suggestions for future articles, or to request print copies, contact
Managing Editor Kim Lowry at 202-898-6635 or firstname.lastname@example.org.
The views expressed in Supervisory Insights are
those of the authors and do not necessarily reflect official positions of the
Federal Deposit Insurance Corporation. In particular, articles should not be construed
as definitive regulatory or supervisory guidance. Some of the information used
in the preparation of this publication was obtained from publicly available sources
that are considered reliable. However, the use of this information does not constitute
an endorsement of its accuracy by the Federal Deposit Insurance Corporation.