Over the last few years, we have heard from many of our clients that statements and conclusions in their exam reports are unfair and inaccurate. It is important to understand that regulatory Reports of Examination based upon the data that is given to examiners and the examiners’ interactions with management during the exam process. As a result, we encourage bankers to prepare extensively for regulatory exams by creating presentations that tell the Bank’s story, especially highlighting improvements in the bank’s condition since the time of the most recent regulatory exam or visitation.

While the information in the presentations may seem obvious to bankers, the data reviewed by the examiners may not reveal important and helpful trends in the bank’s condition. For most of our clients, these trends are not obvious when reviewing financial statements and the other information typically provided to the bank’s regulators.

We are happy to share our experiences with approaches that have had a positive influence on the exam process and to refer bankers to resources that may help with preparation for regulatory exams. For more information, please feel free to contact any member of our Bryan Cave financial institutions group.