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

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Supervisory Insights - Summer 2012

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Letter from the Director
The Risk Management Examination and Your Community Bank
Stress Testing Credit Risk at Community Banks
Results from the FDIC's Credit and Consumer Products/Services Survey: Focus on Lending Trends
Accounting News: Troubled Debt Restructurings
Regulatory and Supervisory Roundup
Supervisory Insights

Supervisory Insights is published by the Division of Risk Management Supervision of the Federal Deposit Insurance Corporation to promote sound principles and best practices for bank supervision.

Martin J. Gruenberg
Acting Chairman, FDIC

Sandra L. Thompson
Director, Division of Risk Management Supervision

Journal Executive Board

Division of Risk Management Supervision

  • George E. French, Deputy Director and Executive Editor
  • Michael J. Dean, Acting Deputy Director
  • James C. Watkins, Deputy Director

Division of Depositor and Consumer Protection

  • Sylvia H. Plunkett, Senior Deputy Director
  • Jonathan N. Miller, Deputy Director
  • Robert W. Mooney, Deputy Director

Regional Directors

  • Thomas J. Dujenski, Atlanta Region
  • Doreen R. Eberley, New York Region
  • Kristie K. Elmquist, Dallas Region
  • Stan R. Ivie, San Francisco Region
  • James D. La Pierre, Kansas City Region
  • M. Anthony Lowe, Chicago Region

Journal Staff

  • Kim E. Lowry, Managing Editor
  • Shannon M. Beattie, Financial Writer
  • Paul S. Vigil, Financial Writer

Supervisory Insights is available online by visiting the FDIC’s Web site at To provide comments or suggestions for future articles, request permission to reprint individual articles, or request print copies, send an e-mail to

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.

Last Updated 06/04/2012

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