Supervisory Insights - Summer 2004 - PDF
Letter from the Director
Articles
The FDIC’s Supervision of Industrial Loan Companies: A Historical Perspective
By reviewing the FDIC’s 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 Perspective
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.
Regular Features
From the Examiner’s 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?
Accounting News
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 function.
Regulatory and Supervisory Roundup
This feature provides an overview of recently released regulations and supervisory guidance.
Supervisory Insights
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
Chairman
Michael J. Zamorski
Director, Division of Supervision and Consumer Protection
George E. French
Executive Editor
Journal Executive Board
Donna J. Gambrell, Deputy
Director
John M. Lane, Deputy Director
Sandra L. Thompson, Deputy
Director
Ronald F. Bieker, Regional Director
John F. Carter, Regional Director
Nancy E. Hall, Regional Director
Scott M. Polakoff, Regional
Director
Mark S. Schmidt, Regional Director
Christopher J. Spoth, Regional
Director
Journal Staff
Kim E. Lowry
Managing Editor
John S. Wholeben
Financial Writer
James J. Willemsen
Financial Writer
Supervisory Insights is available online by visiting
the FDIC’s 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 SupervisoryJournal@fdic.gov.
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.