Common use of Allowance for Loan and Lease Losses Clause in Contracts

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's ’s Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s 's Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” Losses booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” Losses booklet of the Comptroller’s 's Handbook, and ---------------------- shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance, including use of impairment analyses. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:’s

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the BankAssociation's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Interagency Policy Statement on the Allowance for Loan and Lease Losses” booklet of the Comptroller’s HandbookLosses (December 2006), and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a to ensure ongoing conformance with the Bank’s program for the maintenance of an adequate Allowance. This review and program shall be designed in light of ensure consistency with the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a expand their program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factorsfactors not already addressed in your program:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's ’s Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s HandbookHandbook and OCC Bulletin 2006-47, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's ’s Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Federal Financial Institutions Examination Council’s Interagency Policy Statement and Allowance for Loan and Lease Losses” booklet of the Comptroller’s HandbookLosses dated December 13, 2006, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in that complies with OCC Bulletin 2006-47, Interagency Policy Statement on the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease LossesAsset Quality” booklet section of the Comptroller’s OTS Examination Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall immediately review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A- ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a revise its program for the maintenance of an adequate Allowance. This review and revised program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowanceappropriate Allowance balance. This review and program shall be designed in light of the comments on maintaining a proper the Allowance found in the conformance with OCC Bulletin #2006-47 – “Allowance for Loan and Lease Losses” booklet of Losses (ALLL): Guidance and Frequently Asked Questions on the Comptroller’s HandbookALLL”, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“"Allowance”") and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A- ALLL, of the Comptroller’s 's Handbook, and shall focus particular attention on the following factors:.

Allowance for Loan and Lease Losses. (1) The Effective immediately, the Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Comptroller’s Handbook, Allowance for Loan and Lease Losses” booklet of the Comptroller’s HandbookLosses dated June 1996, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“"Allowance”") and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1( 1 ) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s Comptroller s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the Allowance for Loan and Lease Losses of the Comptroller’s Handbook and OCC Bulletin 2006-47 “Interagency Policy Statement on the Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook”, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in OCC 2006-47, Interagency Policy Statement on the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, Losses and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Policy Statement on Allowance for Loan and Lease Losses” booklet of the Comptroller’s HandbookLosses Methodology and Documentation (OCC Bulletin 2001-37), and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's ’s Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy methodology of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program consistently applied, formally documented program, including written policies and procedures, for determining Allowance adequacy. In reviewing your policy, the maintenance of an adequate Allowance. This review and program Board shall be designed in light of refer to the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Losses Handbook, dated June 1996 and shall focus particular attention on the following factorson:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light consideration of the comments on maintaining a proper Allowance found in findings identified within the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:XXX.

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate appropriate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board or a designated committee shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a continue its program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a enhance the Bank’s program for the maintenance of an adequate Allowance. This review and enhanced program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on include, but not be limited to, the following factors:

Allowance for Loan and Lease Losses. (1) The By no later than September 30, the Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish develop, implement, and thereafter ensure Bank adherence to a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy methodology of the Bank's ’s Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:OCC Bulletin 2006-47,

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “guidance of the Federal Financial Institutions Examination Council’s Interagency Policy Statement on the Allowance for Loan and Lease Losses” booklet of the Comptroller’s HandbookLosses dated December 13, 2006 and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet booklet, A-ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a continue its program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s Handbook, and shall continue to focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the Interagency Policy Statement contained in OCC Bulletin 2006-47 (December 13, 2006) and the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall continue to review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a continue its program for the maintenance of an adequate Allowance. This The Board shall ensure that this review and program shall be are designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet ~be ALLOWANCE FOR LOAN AND LEASE LOSSES booklet, A-ALLL, of the Comptroller’s Comptroller '6' Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's ’s Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, as well as the guidance provided by FAS 5 and FAS 114. The Allowance analysis process shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of maintain an adequate Allowance. This review and program shall be designed in light of follow the comments on maintaining a proper Allowance guidance found in the “OCC Bulletin 2001-37 entitled Policy Statement on Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:and

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the Interagency Policy Statement contained in OCC Bulletin 2006-47 (December 13, 2006) and the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on incorporate the following factorsfollowing:

Allowance for Loan and Lease Losses. (1) The At each of its meetings, the Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“"Allowance”") and shall establish and/or maintain a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's ’s Allowance for Loan and Lease Losses (“Allowance”) and shall establish a enhance the Bank’s program for the maintenance of an adequate Allowance. This review and enhanced program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on include, but not be limited to, the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the Interagency Policy Statement contained in OCC Bulletin 2006- 47 (December 13, 2006) and the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on incorporate the following factorsfollowing:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s HandbookHandbook and OCC Bulletin 2006-47, Interagency Policy Statement on the Allowance for Loan and Lease Losses, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's ’s Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the OCC Bulletin 2006-47, “Allowance for Loan and Lease Losses: Guidance and Frequently Asked Question” booklet of including the Comptroller’s Handbook, “Interagency Policy Statement on the Allowance for Loan and Lease Losses,” and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance for Loan and Lease Losses found in the “Allowance for Loan and Lease Losses” booklet Losses section of the Comptroller’s 's Handbook, June 1996, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1( 1 ) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s HandbookHandbook as well as OCC Bulletin 2001-37, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Effective immediately, the Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance for Loan and Lease Losses found in the “Allowance for Loan and Lease Losses” Losses booklet of the Comptroller’s Handbook's Handbook (June, 1996), and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, shall ensure a methodology consistent with OCC Bulletin 2006-47, and shall focus particular attention on ensure directional consistency with the following factors:level of credit risk in the loan portfolio.

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s HandbookHandbook and OCC Bulletin 2006-47, “Allowance for Loan and shall focus particular attention Lease Losses Guidance and Frequently Asked Questions on the following factors:ALLL”.

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, Handbook and the FFIEC’s Policy Statement on Allowance for Loan and Lease Losses Methodologies and Documentation for Banks and Savings Institutions (OCC 2001-37) and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the BankAssociation's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a written program for the maintenance of an adequate Allowance. This review and written program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light consideration of the comments on maintaining a proper Allowance found in findings identified within the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:ROE.

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“"Allowance”") and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s 's Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s 's Handbook, and shall focus particular attention on the following factors:.

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's ’s Allowance for Loan and Lease Losses (“Allowance”) and shall establish establish, adopt, and implement a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s HandbookHandbook and OCC Bulletin 2006-47, “Allowance for Loan and shall focus particular attention Lease Losses Guidance and Frequently Asked Questions on the following factors:ALLL.”

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish maintain a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses booklet, A-ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's ’s Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Interagency Policy Statement on the Allowance for Loan and Lease Losses” booklet of the Comptroller’s HandbookLosses (December 2006), and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet Losses Booklet of the Comptroller’s 's Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's ’s Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” booklet of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments on maintaining a proper Allowance found in the “OCC Bulletin 2001-37, "Policy Statement on Allowance for Loan and Lease Losses” booklet Losses Methodology and Documentation for Banks and Savings Institutions", and the Allowance for Loan and Lease Losses booklet, A-ALLL, of the Comptroller’s Handbook, and shall focus particular attention on the following factors:

Allowance for Loan and Lease Losses. (1) The Board shall review the adequacy of the Bank's Allowance for Loan and Lease Losses (“Allowance”) and shall establish a program for the maintenance of an adequate Allowance. This review and program shall be designed in light of the comments follow guidelines on maintaining a proper Allowance found in the “Allowance for Loan and Lease Losses” Losses booklet of the Comptroller’s 's Handbook, A-ALLL, and shall focus particular attention on the following factors: