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Supervisory Insights

Summer 2013 Vol. 10, Issue 1 - Table of Contents

Last Updated: May 15, 2023

Supervisory Insights - Summer 2013 - PDF

Letter from the Director


Credit Risk Assessment of Bank Investment Portfolios

The issuance of new permissible investment regulations for insured institutions reinforces the importance of proper due diligence by financial institutions. This article discusses supervisory expectations for credit-risk due diligence of the investment portfolio, provides examples of how to conduct due diligence, and lists questions examiners may consider when assessing an institution’s credit risk management practices.

Mergers and Acquisitions: A Compliance Perspective

Ensuring compliance with consumer protection regulations is a critical aspect of planning for financial institution mergers and acquisitions. This article identifies issues for bankers to consider when conducting compliance-focused due diligence.

From the Examiner’s Desk: The Evolution of Bank Information Technology Examinations

As banks continue to expand their use of technology, and incidents of cyber threats and cyber attacks are increasing, the role of information technology (IT) examinations in promoting effective IT risk management practices takes on added importance. This article describes today’s IT examination goals and processes, and offers examples of how banks can improve the effectiveness of their information security programs.

Regular Features

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 Risk Management Supervision of the Federal Deposit Insurance Corporation to promote sound principles and practices for bank supervision.

Martin J. Gruenberg
Chairman, FDIC

Doreen R. Eberley
Director, Division of Risk Management Supervision

Journal Executive Board

Division of Risk Management Supervision
George E. French, Deputy Director and Executive Editor
James C. Watkins, Deputy Director
Melinda West, Deputy Director

Division of Depositor and Consumer Protection
Sylvia H. Plunkett, Senior Deputy Director
Jonathan N. Miller, Deputy Director

Regional Directors
Thomas J. Dujenski, Atlanta Region
Kristie K. Elmquist, Dallas Region
Stan R. Ivie, San Francisco Region
James D. LaPierre, Kansas City Region
M. Anthony Lowe, Chicago Region
John F. Vogel, New York Region

Journal Staff

Kim E. Lowry
Managing Editor

Daniel P. Bergman
Financial Writer

Jeffrey A. Fahrmann
Financial Writer

Supervisory Insights is available online by visiting the FDIC’s website at To provide comments or suggestions for future articles, to request permission to reprint individual articles, or to 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.