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FDIC Federal Register Citations First State Bank of Northwest Arkansas From: Curtis Hutchins [mailto:chutchins@fsbnwa.com] Dear FDIC Friends, Most of the banks you supervise are small community banks. These are
banks that have a solid understanding of the present system of loan
classification. Most banks have used this knowledge to run the banks under
FDIC supervision in a safe and sound manner. There is nothing wrong with the present method of risk rating loans. To change would mean:
Admittedly, I do not know if the present system is adequate for the
largest banks. I do know that the present system works well for banks under
$1 billion in assets. We strongly recommend that you not modify the present
system that is working well. If the larger banks need additional scrutiny,
focus on them alone and not create additional problems for the majority of
your banks. Sincerely, Curtis Hutchins |
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Last Updated 05/25/2005 | Regs@fdic.gov |