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Policy Manual

 

1. Policy Development and Implementation

  1. Process Overview

  2. Board Participation

  3. Policy Committee

  4. Implementation of Policies

  5. Policy Updates

  6. Bank Committees

 

2. Executive Policies

  1. Regulation O

  2. Audit/Internal Controls

  3. Board Supervision

  4. Conflict of Interest/Code of Ethics

  5. Regulatory Compliance

  6. Branch Closing

  7. Personnel

  8. Risk Management

  9. Foreign Assets Control (OFAC)

  10. Advertising

 

3. Lending Policies

  1. Allowance for Loan and Lease Losses

  2. Community Reinvestment Act

  3. Credit Risk

  4. Real Estate Appraisal

  5. Fair Lending

  6. Real Estate Owned

  7. Environmental Risk

  8. Loan Collection

  9. Loan Review

 

4. Treasury/Finance Policies

  1. Interest Rate Risk

  2. Asset/Liability Management

  3. Investments

  4. Fixed Assets

 

5. Operations/Security Policies

  1. Bank Security

  2. Bank Secrecy Act

  3. Record Retention

  4. Expedited Funds Availability

  5. Wire Transfers

  6. Deposits

  7. Service Fees

  8. Interbank Liabilities

  9. Teller and CSR Operations

  10. Know Your Customer

  11. Customer Financial Privacy

 

6. Data Processing

  1. Software, Programming and Package Purchase

  2. Disaster Recovery

  3. Servicing Arrangements

  4. Microcomputer

  5. Area Networks

                

         

                                                                   

 

                                              This page last updated June 25, 2001