The 多宝游戏下载 continues to support the formation of new financial institutions and welcomes applications for deposit insurance. The entry of new institutions helps to preserve the vitality of the banking sector, fill critical gaps in local banking markets, and provide credit services to communities that may not currently have a local financial institution.
鈥De Novo Banks: Economic Trends and Supervisory Framework鈥 provides an overview of trends in de novo formation; the process by which the 多宝游戏下载 reviews applications for deposit insurance; the supervisory process for de novo institutions; and steps the 多宝游戏下载 is taking to support de novo formations. The information provided in this article reinforces the 多宝游戏下载鈥檚 desire to promote a dialog with individuals and groups interested in forming a new bank.
As the primary federal regulator for the nation鈥檚 community banks, the 多宝游戏下载 recognizes the importance of identifying and addressing emerging risks in the banking industry in a timely manner. Promptly communicating these risks to bank management and the board of directors, often in the form of Matters Requiring Board Attention (MRBA), is critical to these efforts. This article provides an overview of the most commonly cited MRBA in Reports of Examination and identifies trends in these categories that may provide an overview of risks developing within the industry.
This issue of Supervisory Insights also includes our regular summary of recently released regulations and supervisory guidance.
We hope you find the articles in this issue to be informative and useful. We encourage our readers to provide feedback and suggest topics for future issues. Please email your comments and suggestions to SupervisoryJournal@fdic.gov.
Doreen R. Eberley
Director
Division of Risk Management Supervision