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Risk Management Manual of Examination Policies

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Section 17.1 - Bank of Anytown-Report of Examination

Concentrations 99999

Listed below are concentrations of obligations, direct and indirect, according to the following guidelines: 1) Concentrations of 25% or more of Tier 1 Capital by individual borrower, small interrelated group of individuals, single repayment source or individual project; 2) Concentrations of 100% or more of Tier 1 Capital by industry, product line, type of collateral, or short term obligations of one financial institution or affiliated group. Any other concentrations may be listed in the 25% category if desired. An appropriate percentage of total assets is used when a bank's capital is so low as to make its use meaningless. U.S. Treasury securities, obligations of U.S. Government agencies and corporations, and any assets collateralized by same are not scheduled.
Description Detail Amount Extended
Correspondent Bank Concentration
First National Bank
Anothercity, Anotherstate
    Due From Account 3,025  
    Federal Funds Sold 4,000  
The concentration represents 124% of Tier 1 Capital.   7,025
Credit Concentration
John and Mary Smith Relationship
John Smith
    Consumer installment 75  
John and Mary Smith
    RE mortgage 275  
JMS Corporation
  JM: John and Mary Smith
    Secured commercial loans (3) 685  
    Commercial letters of credit (2) 215  
J&M Realty Trust
  Gty: John and Mary Smith
    Commercial RE mortgage 700  
This concentration represents 34 percent of Tier 1 Capital.   1,950
Industry Concentration
Fishing, Hunting, and Trapping Industry (SIC Code 1009)
This amount is composed of 49 loans to fishing industry-related borrowers. Repayment of these loans is dependent upon the same sources of income and upon extension of fishing rights granted in the Georges Bank by the Canadian Department of Fisheries, which expire in 2005. The industry concentration represents 153 percent of Tier 1 Capital.

Last Updated 03/04/2005 supervision@fdic.gov

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