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Supervisory Insights

Summer 2016 Vol. 13, Issue 1 - Table of Contents

Last Updated: April 6, 2023

Supervisory Insights - Summer 2016 - PDF

Letter from the Director


De Novo Banks: Economic Trends and Supervisory Framework

The FDIC continues to support the formation of new financial institutions and welcomes applications for deposit insurance. This article provides an overview of trends in de novo formation; the process by which the FDIC reviews applications for deposit insurance; the supervisory process for de novo institutions; and steps the FDIC is taking to support de novo formations.

“Matters Requiring Board Attention” Underscore Evolving Risks in Banking

The Matters Requiring Board Attention (MRBA) page within the Risk Management Report of Examination is used to focus the attention of bank management and the directorate on potential problems that, if addressed early, will reduce the likelihood that those institutions will experience serious adverse effects. As a means of communicating to bankers what FDIC examiners are observing in the field, this article summarizes the types of issues identified in risk management examinations as reflected by MRBAs from 2011 through 2015, focusing primarily on activities recorded in the last two years.

Regular Features

Regulatory and Supervisory Roundup

This feature provides an overview of recently released regulations and other items of interest.

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.

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, Senior Deputy Director
Brent D. Hoyer, Deputy Director
Mark S. Moylan, 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
Michael J. Dean. Atlanta Region
Kristie K. Elmquist, Dallas Region
James D. LaPierre, Kansas City Region
M. Anthony Lowe, Chicago Region
Kathy L. Moe, Acting Regional Director, San Francisco Region
John F. Vogel, New York Region

Journal Staff

Kim E. Lowry
Managing Editor

Michael T. Register
Financial Writer

Scott M. Jertberg
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.