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FDIC Federal Register Citations

Commonwealth Community Bank
From: Elkins, Rebecca []
Sent: Monday, June 13, 2005 9:53 AM
To: Comments
Subject: Interagency Proposal on the Classification of Commercial Credit Exposures


June 13, 2005

Robert E. Feldman, Executive Secretary
Attention Comments, Federal Deposit Insurance Corporation
550 17th Street, NW
Washington, DC  20429

RE: FDIC-PR-28-2005

I am the Credit Administrator at Commonwealth Community Bank a branch of Miner's & Merchants Bank & Trust Company. We are a community bank with assets of around $390 million. I am in opposition of changing the commercial loan classifications. The Borrower rating and Facility ratings would be more complex and burdensome on smaller institutions. Why should this proposal apply to all banks? Why not propose a threshold for larger banks?

Please take this into consideration before making any changes in the current system.

Thank you.


Rebecca Shortridge-Elkins
Vice President/Credit Administrator


Last Updated 06/14/2005

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