Federal Deposit Insurance
Corporation
550 17th Street NW, Washington, DC 20429-9990
Financial Institution Letter
FIL-57-2016
August 27, 2016
SUPERVISORY INSIGHTS JOURNAL
Summer 2016 Issue Now Available
Summary: The Summer 2016 issue of Supervisory Insights features two articles of interest to examiners, bankers,
and supervisors. The first article provides an overview of the current state of de novo bank formation, and the second
article summarizes the types of issues most frequently observed by FDIC risk management examiners as reflected in
the Matters Requiring Board Attention page of recent Reports of Examination. The publication is available
at http://www.fdic.gov/regulations/examinations/supervisory/insights/index.html.
Statement of Applicability to Institutions Under $1 Billion in Total Assets: The information contained in this issue
of Supervisory Insights may be of general interest to FDIC-supervised financial institutions, but it is not supervisory
guidance.
Distribution:
FDIC-Supervised Institutions
Suggested Routing:
Chief Executive Officer
Compliance Officer
Related Topics:
De Novo Bank Formation
Matters Requiring Board Attention
Contact:
Kim E. Lowry, Managing Editor
(klowry@fdic.gov or 202-898-6635)
Note:
FDIC Financial Institution Letters (FILs)
are available on the FDIC's Web site
at www.fdic.gov/news/news/financial/2016
/index.html.
To receive FILs electronically,
visit http://www.fdic.gov/about/subscriptio
ns/fil.html.
Paper copies may be obtained through
the FDIC's Public Information Center,
3501 Fairfax Drive, E-1002, Arlington, VA
22226 (1-877-275-3342 or 703-562-
2200).
Highlights:
The FDIC welcomes applications for deposit insurance. "De Novo Banks:
Economic Trends and Supervisory Framework" provides an overview of
trends in de novo formation; the process by which the FDIC reviews
applications for deposit insurance; the supervisory process for de
novo institutions; and steps the FDIC is taking to support de novo
formations.
"'Matters Requiring Board Attention' Underscore Evolving Risks in
Banking" discusses how the Matters Requiring Board Attention (MRBA)
page within the Risk Management Report of Examination is used to
focus the attention of bank management and the directors on issues and
recommendations that, if addressed early, will reduce the likelihood that
those institutions will experience serious adverse effects in the identified
areas. This article describes the MRBA categories cited most often in
2014 and 2015 and highlights trends that can provide an overview of
risks that may be developing in the industry.
The "Regulatory and Supervisory Roundup" provides an overview of
recently released regulations and supervisory guidance.
Suggestions for article topics and requests for permission to reprint
articles should be e-mailed to supervisoryjournal@fdic.gov. Requests for
print copies should be e-mailed to publicinfo@fdic.gov.Inactive
Corporation
550 17th Street NW, Washington, DC 20429-9990
Financial Institution Letter
FIL-57-2016
August 27, 2016
SUPERVISORY INSIGHTS JOURNAL
Summer 2016 Issue Now Available
Summary: The Summer 2016 issue of Supervisory Insights features two articles of interest to examiners, bankers,
and supervisors. The first article provides an overview of the current state of de novo bank formation, and the second
article summarizes the types of issues most frequently observed by FDIC risk management examiners as reflected in
the Matters Requiring Board Attention page of recent Reports of Examination. The publication is available
at http://www.fdic.gov/regulations/examinations/supervisory/insights/index.html.
Statement of Applicability to Institutions Under $1 Billion in Total Assets: The information contained in this issue
of Supervisory Insights may be of general interest to FDIC-supervised financial institutions, but it is not supervisory
guidance.
Distribution:
FDIC-Supervised Institutions
Suggested Routing:
Chief Executive Officer
Compliance Officer
Related Topics:
De Novo Bank Formation
Matters Requiring Board Attention
Contact:
Kim E. Lowry, Managing Editor
(klowry@fdic.gov or 202-898-6635)
Note:
FDIC Financial Institution Letters (FILs)
are available on the FDIC's Web site
at www.fdic.gov/news/news/financial/2016
/index.html.
To receive FILs electronically,
visit http://www.fdic.gov/about/subscriptio
ns/fil.html.
Paper copies may be obtained through
the FDIC's Public Information Center,
3501 Fairfax Drive, E-1002, Arlington, VA
22226 (1-877-275-3342 or 703-562-
2200).
Highlights:
The FDIC welcomes applications for deposit insurance. "De Novo Banks:
Economic Trends and Supervisory Framework" provides an overview of
trends in de novo formation; the process by which the FDIC reviews
applications for deposit insurance; the supervisory process for de
novo institutions; and steps the FDIC is taking to support de novo
formations.
"'Matters Requiring Board Attention' Underscore Evolving Risks in
Banking" discusses how the Matters Requiring Board Attention (MRBA)
page within the Risk Management Report of Examination is used to
focus the attention of bank management and the directors on issues and
recommendations that, if addressed early, will reduce the likelihood that
those institutions will experience serious adverse effects in the identified
areas. This article describes the MRBA categories cited most often in
2014 and 2015 and highlights trends that can provide an overview of
risks that may be developing in the industry.
The "Regulatory and Supervisory Roundup" provides an overview of
recently released regulations and supervisory guidance.
Suggestions for article topics and requests for permission to reprint
articles should be e-mailed to supervisoryjournal@fdic.gov. Requests for
print copies should be e-mailed to publicinfo@fdic.gov.Inactive