Material Loss Review of Community Bank & Trust - West Georgia

Assess and adjust current methods to effectively coordinate with other Federal agencies that administer Government-guaranteed loan programs to facilitate timely information sharing, support proactive identification of risk, inform supervisory responses, and help protect the DIF.

Review the FDIC’s Case Manager and off-site monitoring guidance to determine whether additional emphasis is needed for proactive supervisory action when off-site monitoring program information demonstrates elevated risk, financial deterioration at a bank, and multiple FDIC-identified risk patterns common in bank failures are present and revise guidance as appropriate.

Reiterate its revised guidance to examination personnel and conduct monitoring efforts to evaluate the consistent application of FDIC loan classification procedures for Government-guaranteed loans.