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FDIC Federal Register Citations

First Delta Bank

From: Chris M. Lehman []
Sent: Monday, May 23, 2005 2:29 PM
To: Comments
Subject: Fw: Interagency Proposal on Classification of Commercial Credit Exp.

Gentlemen, I failed to post my name & bank on the attached e-mail. My name is Chris M. Lehman, President of First Delta Bank, Marked Tree, Arkansas. Thank you.

----- Original Message -----
From: Chris M. Lehman
Sent: Monday, May 23, 2005 1:18 PM
Subject: Interagency Proposal on Classification of Commercial Credit Exp.

Gentlemen- I would like to go on record as being opposed to the proposal to change the current system of loan classifications. The existing method of using terms like- "special mention", "substandard" & "doubtful" have served small financial institutions well for many years. The new "two-dimensional" rating system appears to be a very complex system to implement into small bank operations. If the agency chooses to move forward on this proposal, please give some consideration to a bank's asset size & possibly exempt banks less than $1 billion in asset size from using the new method.

Last Updated 05/25/2005

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