BAS September 2022 Presentations

Internal Use Only

Purpose of Loan Discussion

Credit Underwriting and Loan Administration

Loan Loss Reserve Provisions

Credit Quality Problem Loan Recognition

Conformity to Loan Policy

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Internal Use Only

Purpose of Exit Meeting Discuss Examination Findings •Report Worthy •Worthy of Management’s Attention

Verify Examination Findings

Document Management Responses

Disclose Tentative CAMELS’ Component and Composite Ratings

Provide Guidance and Recommendations

Discuss Next Steps

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