Federal Deposit
Insurance Corporation

In regards to doing away with our present system, I am reminded what I have always been told. "if it is not broken why fix it".

The proposed changes of special mention, substandard and doubtful works for all community banks that I have knowledge. Why have a new system that will be more complex and burdensome on smaller instutitions. If it is a problem with a $1 Billion Bank apply a new rating system to them.  Sir, we are over regulated now....Please reconsider your proposed changes.

Sincerely
 
Randy Burris
Senior Lender, First Bank