The 多宝游戏下载 has long understood the value of open communication between bank regulators and community bankers. The 多宝游戏下载 has developed a series of initiatives, inaugurated by 鈥淭he Future of Community Banking鈥 conference held earlier this year, to further this dialog, ensure community bankers understand our supervisory approach, and explore the challenges and opportunities facing this sector of the banking industry. As part of these outreach efforts, this issue of Supervisory Insights features 鈥淭he Risk Management Examination and Your Community Bank.鈥 This article provides an overview of the examination and application processes to help banks better navigate their examinations and suggests ways to enhance communication between bankers and supervisors.
Also of particular interest for community banks, 鈥淪tress Testing Credit Risk at Community Banks鈥 describes the credit-related stress-testing process, discusses its usefulness in managing risk, and provides relatively simple and straightforward examples of how community banks can conduct stress testing.
鈥淩esults from the 多宝游戏下载鈥檚 Credit and Consumer Products/Services Survey: Focus on Lending Trends鈥 summarizes recent Survey results with a focus on lending activity, including trends in underwriting, factors influencing banks鈥 ability and willingness to lend, use of loan workouts, and loan growth patterns across the country.
And finally, this issue of Supervisory Insights provides a summary of the accounting for loan modifications that are considered troubled debt restructurings, including a discussion of regulatory reporting issues.
We hope you have the opportunity to read the articles in this issue and find them interesting and useful. We welcome feedback on articles as well as ideas for topics for future issues. Please e-mail your comments and suggestions for topics for future issues to SupervisoryJournal@fdic.gov.
Sandra L. Thompson
Director
Division of Risk Management Supervision