Office of Thrift Supervision

Closed for Comment

1/10/06 to 4/10/06

Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices (2006-01) )

Comments

July 20, 2006 - 2:51 PM
Comment Letter 208 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Cumberland Valley National Bank & Trust Co. (Tatum), London, KY

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June 12, 2006 - 8:33 AM
Comment Letter 206 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Bank of Benton (Multiple Signatories), KY

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June 6, 2006 - 10:12 AM
Comment Letter 207 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Citizens National Bank (Tackett), Paintsville, KY

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June 1, 2006 - 5:17 PM
Comment Letter 204 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Summit Community Bank (Nugent), Okemos, MI

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May 23, 2006 - 5:10 PM
Comment Letter 203 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Citizens South (Price), Gastonia, NC

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May 18, 2006 - 5:26 PM
Comment Letter 205 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Peoples Bank (Multiple Signatories), KY

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May 9, 2006 - 8:33 AM
Comment Letter 200 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Bankers Bank (The)(Fredette), Atlanta, GA

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April 19, 2006 - 11:50 AM
Comment Letter 175 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Security Pacific Bank (Sinn), Los Angeles, CA

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April 18, 2006 - 3:35 PM
Comment Letter 161 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Ripley Federal (Grooms), OH

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April 17, 2006 - 11:27 AM
Comment Letter 145 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Provident Bank (Blunden), CA

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April 17, 2006 - 10:56 AM
Comment Letter 187 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Prime Pacific Bank (Deutsch), Lynnwood, WA

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April 15, 2006 - 5:03 PM
Comment Letter 193 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Vincent Puccio, Martinsville, VA

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April 14, 2006 - 4:35 PM
Comment Letter 195 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Rio Bank (Sasser III), McAllen, TX

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April 14, 2006 - 10:52 AM
Comment Letter 185 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Stone Savings (Donovan), Stoneham, MA

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April 14, 2006 - 10:49 AM
Comment Letter 184 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Credit Union National Association (Mica), Washington, DC

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April 14, 2006 - 10:45 AM
Comment Letter 183 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Texas Bankers Assn (Smith), Austin, TX

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April 13, 2006 - 4:01 PM
Comment Letter 197 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Quantum National Bank (Wren), Suwanee, GA

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April 13, 2006 - 3:43 PM
Comment Letter 165 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Rockport National Bank (Anders & Rostkowski)

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April 13, 2006 - 3:38 PM
Comment Letter 163 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), New York Bankers Assn (Smith), New York, NY

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April 13, 2006 - 3:37 PM
Comment Letter 162 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Boiling Springs Savings Bank (Stillwell), Rutherford, NJ

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April 13, 2006 - 3:33 PM
Comment Letter 160 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Presidential Bank (Cleveland), Bethesda, MD

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April 13, 2006 - 3:31 PM
Comment Letter 159 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Tennessee Bankers Assn (Amos), Nashville, TX

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April 13, 2006 - 3:27 PM
Comment Letter 157 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Wisconsin Bankers Assn (Bauer), Madison, WI

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April 13, 2006 - 11:59 AM
Comment Letter 177 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Appraisal Institute, et al (Parker), Washington, DC

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April 13, 2006 - 11:45 AM
Comment Letter 150 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), National Association of Home Builders (Crowe), Washington, DC

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April 13, 2006 - 11:42 AM
Comment Letter 149 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Indiana Bankers Assn (Cousins)

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April 13, 2006 - 11:38 AM
Comment Letter 148 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Risk Management Assn (Hartigan), Philadelphia, PA

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April 13, 2006 - 11:36 AM
Comment Letter 147 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), BB&T (Daniels), Greensboro, NC

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April 13, 2006 - 11:31 AM
Comment Letter 169 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), First Federal Savings Bank (Johnson, CEO, et al), Elizabethtown, KY

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April 13, 2006 - 11:25 AM
Comment Letter 167 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), IndyMac Bank Center (Melbourne), Pasadena, CA

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April 13, 2006 - 10:43 AM
Comment Letter 182 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), First National Bank of the Rockies (Waller), Grand Junction, CO

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April 13, 2006 - 10:38 AM
Comment Letter 180 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Massachusetts Bankers Assn (Skarin), Boston, MA

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April 13, 2006 - 10:36 AM
Comment Letter 174A - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Central Bancompany (Popp), Jefferson City, MO

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April 13, 2006 - 10:34 AM
Comment Letter 131 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Community National Bancorporation (Vich), Waterloo, IA

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April 13, 2006 - 10:32 AM
Comment Letter 60 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Home Federal (Hage), Sioux Falls, SD

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April 13, 2006 - 10:26 AM
Comment Letter 57 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Key Corp (Burke & Csuhran), Cleveland, OH

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April 12, 2006 - 3:40 PM
Comment Letter 164 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), City & Suburban Federal Savings Bank (Indiveri), Yonkers, NY

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April 12, 2006 - 3:30 PM
Comment Letter 158 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), First Bank Florida (Argibay & Valle), Miami, FK

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April 12, 2006 - 3:25 PM
Comment Letter 156 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Loghry, Michelle, Ogden, UT

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April 12, 2006 - 3:22 PM
Comment Letter 154 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Mortgage Bankers Assn (Kempner), Washington, DC

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April 12, 2006 - 3:21 PM
Comment Letter 153 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Union Savings Bank (Vonderhaar), Cincinnati, OH

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April 12, 2006 - 3:19 PM
Comment Letter 152 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Utah Bankers Assn (Headlee), Salt Lake City, UT

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April 12, 2006 - 3:17 PM
Comment Letter 151 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Byrd, Darby, Orange, TX

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April 12, 2006 - 11:53 AM
Comment Letter 97A - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Virginia Financial Group (Saudners), Charlottesville, VA

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April 12, 2006 - 11:34 AM
Comment Letter 146 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Oklahoma Bankers Assn (Beverage), Iklahoma City, OK

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April 12, 2006 - 11:26 AM
Comment Letter 144 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Harbor Federal (Brown), Ft. Pierce, FL

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April 12, 2006 - 11:21 AM
Comment Letter 141 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), DiMichele, John, West Sacramento, CA

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April 12, 2006 - 11:19 AM
Comment Letter 140 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Victory State Bank (Branca), Staten Island, NY

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April 12, 2006 - 10:54 AM
Comment Letter 186 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Country Club Bank (Thompson & McGannon), Kansas City

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April 12, 2006 - 10:41 AM
Comment Letter 181 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Ohio Bankers League (Quayle), Columbus, OH

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April 12, 2006 - 8:37 AM
Comment Letter 136 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Roma Bank (Zadworny), Robbinsville, NJ

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April 12, 2006 - 6:51 AM
Comment Letter 192 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Colorado Bankers Assn (Childears), Denver, CO.

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April 12, 2006 - 6:49 AM
Comment Letter 191 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Legacy Bank (Suellentrop), Wichita, KS

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April 11, 2006 - 3:58 PM
Comment Letter 196 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), founders Community Bank (Sherman), San Luis Obispo, CA

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April 11, 2006 - 3:24 PM
Comment Letter 155 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), First State Bank & Trust (Needham), KS

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April 11, 2006 - 11:56 AM
Comment Letter 176 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), TriStar Bank (Williams, et al), Dickson, TN

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April 11, 2006 - 11:43 AM
Comment Letter 173 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Gloucester Cooperative Bank (Grenier), Gloucester, MA

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April 11, 2006 - 9:17 AM
Comment Letter 199 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Community Bankers Association of Ohio (Palmer), Columbus, OH

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April 11, 2006 - 8:51 AM
Comment Letter 138 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Swetman, Chevis, Biloxi, MS

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April 11, 2006 - 8:38 AM
Comment Letter 137 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Park View Federal (Male), Cleveland, OH

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April 11, 2006 - 8:37 AM
Comment Letter 201 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Chicopee Savings (Wagner), Chicopee, MA

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April 11, 2006 - 6:48 AM
Comment Letter 190 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), First State Bank & Trust (Needham), Tonganoxie, KS

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April 11, 2006 - 6:36 AM
Comment Letter 202 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), First Merchants Corp. (Blackburn), Munciem IN

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April 10, 2006 - 4:33 PM
Comment Letter 194 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), National Bank (Denardo), Blacksburg, VA

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April 10, 2006 - 4:07 PM
Comment Letter 198 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Wakulla Bank (Gaby), Crawfordville, FL

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April 10, 2006 - 11:48 AM
Comment Letter 174 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Central Bancompany (Littlefield), Jefferson City, MO

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April 10, 2006 - 11:46 AM
Comment Letter 124 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), First National Bank of Canadian (Brian), Canadian, TX

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April 10, 2006 - 11:43 AM
Comment Letter 123 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Sager, Stephen, St. Charles, IL

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April 10, 2006 - 11:40 AM
Comment Letter 172 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Northern California National Bank (Lucchesi), Chico, CA

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April 10, 2006 - 11:24 AM
Comment Letter 143 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Environmental Bankers Assn (Telego), Alexandria, VA

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April 10, 2006 - 8:53 AM
Comment Letter 139 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Wyckoff, Bill, Altamont, KS

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April 10, 2006 - 8:34 AM
Comment Letter 134 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Dearborn Savings Assn (Fischer, Schifer, Sicking), Lawrenceburg, IN

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April 10, 2006 - 8:32 AM
Comment Letter 133 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Kansas Bankers Assn (Stones), KS

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April 7, 2006 - 12:07 PM
Comment Letter 125 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Community Bankers (threshold limits to restrictive) Multi-Signatories

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April 7, 2006 - 12:02 PM
Comment Letter 178 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Affinity Bank (Mahan), Ventura, CA

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April 7, 2006 - 11:48 AM
Comment Letter 125 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Wilmington Trust Co. (Harris), Wilmington, DE

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April 7, 2006 - 11:42 AM
Comment Letter 122 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Texas Star Bank (Gatzki), Midland, TX

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April 7, 2006 - 11:35 AM
Comment Letter 121 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Condron, Wes, Blue Springs, MO

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April 7, 2006 - 11:34 AM
Comment Letter 120 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), United Bank of Union (Crews), Union, MO

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April 7, 2006 - 11:32 AM
Comment Letter 119 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Todd, Robert, Stratton, CO

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April 7, 2006 - 11:29 AM
Comment Letter 2A - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), America's Community Bankers (Frank), Washington, DC

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April 7, 2006 - 11:25 AM
Comment Letter 118 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Community Development Bankers Assn (McGill), Washington, DC

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April 7, 2006 - 11:23 AM
Comment Letter 142 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), First Federal Bank of California (Anderson), Santa Monica, CA

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April 6, 2006 - 11:37 AM
Comment Letter 171 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Cape Cod Cooperative Bank (Crowell), Yarmouth Port, MA

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April 6, 2006 - 11:34 AM
Comment Letter 170 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Plumas Bank (Biddle), Quincy, CA

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April 6, 2006 - 11:23 AM
Comment Letter 117 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Virginia Bankers Anns (Ayers)

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April 6, 2006 - 11:21 AM
Comment Letter 166 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Haverhill Bank (President, Faulkner, et al), Bradford, MA

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April 6, 2006 - 8:36 AM
Comment Letter 135 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Franklin Savings Bank (Scogno), Woodstown, NJ

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April 5, 2006 - 1:44 PM
Comment Letter 115 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), First Cherokee State Bank (Hoard), Woodstock, GA

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April 5, 2006 - 12:05 PM
Comment Letter 179 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Manasquan Savings Bank (Brown), Manasquan, NJ

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April 5, 2006 - 11:33 AM
Comment Letter 129 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Los Padres Bank (Cerny & Phillips)Solvang, CA

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April 4, 2006 - 1:27 PM
Comment Letter 116 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), New Jersey League of Community Bankers (Silkensen), Cranford, NJ

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April 4, 2006 - 11:35 AM
Comment Letter 130 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Virginia, Commonweath, Bureau of Financial Inst. (Face) Richmond, VA

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April 3, 2006 - 1:39 PM
Comment Letter 113 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Union Federal S&L Assn (Donovan), Kewanee, IL

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April 3, 2006 - 11:31 AM
Comment Letter 128 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Cherokee Bank (Burnette) Canton, GA

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April 3, 2006 - 9:55 AM
Comment Letter 111 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Benjamin Franklin Bank (Buckley), Franklin, MA

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March 31, 2006 - 1:41 PM
Comment Letter 114 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Bank of America (Goldbold 7 Robinson), Charlotte, NC

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March 31, 2006 - 11:25 AM
Comment Letter 127 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Bank of Commerce (Miller) Tulsa, OK

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March 31, 2006 - 9:53 AM
Comment Letter 110 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Apple Creek Banking Company (Kline), OH

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March 31, 2006 - 8:54 AM
Comment Letter 107 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Cincinnati Federal Savings & Loan (Mueller), Cincinnati, OH

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March 30, 2006 - 9:57 AM
Comment Letter 112 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Second Bank & Trust (Honenberger), Culpeper, VA

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March 30, 2006 - 8:50 AM
Comment Letter 104 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), American Bankers Assn (Smith), Washington, DC

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March 29, 2006 - 1:59 PM
Comment Letter 94 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), United Labor Bank (Hotchkiss), Oakland, CA

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March 29, 2006 - 11:55 AM
Comment Letter 88 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Longest, George

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March 29, 2006 - 11:28 AM
Comment Letter 168 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Charles Schwab Bank (Kenny), Reno, NV

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March 29, 2006 - 8:57 AM
Comment Letter 109 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), California Bankers Assn. (Chan), Sacramento, CA

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March 28, 2006 - 8:55 AM
Comment Letter 108 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), First Federal Savings Bank of Champaign-Urbana (Wilson), Champaign, IL

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March 24, 2006 - 10:36 AM
Comment Letter 103 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Conference of Staete Bank Supervisors (Milner), Washington, DC

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March 24, 2006 - 6:45 AM
Comment Letter 188 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Wake Forest Federal (White), Wake Forest, NC

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March 23, 2006 - 12:28 PM
Comment Letter 92 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Florida Community Bank (Lingard), Port Charlotte, FL

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March 23, 2006 - 12:26 PM
Comment Letter 91 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Florida Community Bank (Jordan), Immokalee, Fl

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March 23, 2006 - 10:29 AM
Comment Letter 102 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Valley Bank of Maryland (Solomon), Hunt Valley, MD

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March 22, 2006 - 12:29 PM
Comment Letter 93 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Kaiser Federal Bank (Cano & Huber), Covina, CA

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March 22, 2006 - 12:00 PM
Comment Letter 90 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Compass Bank (Cranmer), Pensacola, FL

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March 22, 2006 - 8:53 AM
Comment Letter 106 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Farmers & Merchants Bank, (Withers), Timberville, VA

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March 21, 2006 - 11:55 AM
Michigan Bankers with signatories

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March 20, 2006 - 2:30 PM
Comment Letter 82 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Grand Bank & Trust of Florida (Greene), West Palm Beach, FL

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March 20, 2006 - 2:29 PM
Comment Letter 81 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Bank Atlantic (Snyder), Ft. Lauderdale, FL

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March 20, 2006 - 2:07 PM
Comment Letter 101 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), American National Bank & Trust Co. (Majors), Danville, VA

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March 20, 2006 - 8:51 AM
Comment Letter 105 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Environmental and Public Protection Cabinet (Lawrence), Frankfort, KY

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March 17, 2006 - 2:06 PM
Comment Letter 100 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Edgewater Bank (Peterson), St. Joseph, MI

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March 17, 2006 - 2:03 PM
Comment Letter 98 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Chesapeake Bank of Maryland (Lucas), Baltimore, MD

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March 17, 2006 - 2:02 PM
Comment Letter 97 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Virginia Financial Group (Barham), Culpeper, VA

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March 16, 2006 - 2:28 PM
Comment Letter 80 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Private Bank (The)(McQueen), MI

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March 16, 2006 - 2:04 PM
Comment Letter 99 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), McHenry Savings Bank (Grammer), McHenry, IL

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March 16, 2006 - 2:02 PM
Comment Letter 96 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Spencer Savings Bank (Guerrero), Elmwood Park, NJ

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March 15, 2006 - 11:59 AM
Comment Letter 89 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Fidelity Federal Bank & Trust (Bova), West Palm Beach, FL

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March 15, 2006 - 11:40 AM
Comment Letter 132 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Benchmark Community Bank (Walker) Kenbridge, VA

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March 15, 2006 - 9:40 AM
Comment Letter 76 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), National Community Reinvestment Coalition (Taylor), Washington, DC

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March 15, 2006 - 9:38 AM
Comment Letter 74 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Real Estate Roundtable (DeBoer), Washington, DC

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March 14, 2006 - 2:35 PM
Comment Letter 86 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Clearfield Bank & Trust Co. (Wood), Clearfield, PA

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March 14, 2006 - 9:42 AM
Comment Letter 78 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Bank of Whitman (Reibold), Colfax, VA

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March 14, 2006 - 9:41 AM
Comment Letter 77 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Michigan Bankers Assn (Koons & Conboy), Lansing, MI

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March 14, 2006 - 9:35 AM
Comment Letter 72 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Capaha Bank (Abercrombie), Cape Girardeau, MO

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March 14, 2006 - 9:32 AM
Comment Letter 70 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Premier Bank Minnesota

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March 14, 2006 - 9:30 AM
Comment Letter 69 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), City First Bank of DC (Furash), Washington, DC

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March 14, 2006 - 8:22 AM
Comment Letter 59 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Iowa Bankers Assn (Hartwig), Johnston, IA

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March 13, 2006 - 8:26 AM
Comment Letter 68 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Cheviot Savings Bank (Linneman)

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March 13, 2006 - 6:47 AM
Comment Letter 189 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Pennslyvania Bankers Assn (Abrey, et al), Harisburg, PA

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March 10, 2006 - 2:00 PM
Comment Letter 95 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Malvern Federal Savings Bank (Hughes), Paoli, PA

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March 10, 2006 - 9:34 AM
Comment Letter 71 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Southern Community Bank and Trust (NEil), Winston-Salemn, NC

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March 9, 2006 - 2:33 PM
Comment Letter 85 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Department of Banking & Finance (Braswell), Atlanta, GA

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March 9, 2006 - 2:32 PM
Comment Letter 84 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Cardinal Savings Bank (Geister), Dundee, IL

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March 9, 2006 - 9:36 AM
Comment Letter 73 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Maryland Bankers Assn (Higham), Annapolis, MD

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March 9, 2006 - 8:23 AM
Comment Letter 67 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), First Niagara Bank (Berner), Lockport, NY

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March 9, 2006 - 8:12 AM
Comment Letter 63 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Alliance Federal Savings Bank (Chulm & Hoffman), Hinsdale, IL

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March 9, 2006 - 8:05 AM
Comment Letter 61 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), ShoreBank (Arvia), Chicago, IL

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March 9, 2006 - 6:43 AM
Comment Letter 59 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), First National Bank of Deerwood (Ohlin), Deerwood, MN

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March 8, 2006 - 2:31 PM
Comment Letter 83 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Community Federal Savings Bank (Hoffer), Woodhaven, NY

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March 8, 2006 - 9:25 AM
Comment Letter 53 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), East Side Savings Bank (Kiley), Tamarac, FL

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March 8, 2006 - 8:14 AM
Comment Letter 64 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Inter Savings Bank, fsb (Haines), Minneapolis, MN

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March 8, 2006 - 6:42 AM
Comment Letter 58 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), State Bank of Lucan (Thull), Lucan, MN

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March 6, 2006 - 4:45 PM
Comment Letter 79 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Frontier Bank (Wold), Park City, UT

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March 6, 2006 - 9:39 AM
Comment Letter 75 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Georgia Bankers Assn (Brannen), Atlanta, GA

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March 6, 2006 - 9:14 AM
Comment Letter 52 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Lindsey Management Co., Inc. (Lindsey), Fayetteville, AR

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March 3, 2006 - 8:06 AM
Comment Letter 62 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Severn Savings Bank (Hyatt), Annapolis, MD

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March 2, 2006 - 2:23 PM
Comment Letter 45 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), E. Richard Mahan, Gallipolis, OH

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March 2, 2006 - 1:43 PM
Comment Letter 51 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Peoples Bank (Winter), Lawrence, KS

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March 1, 2006 - 1:42 PM
Comment Letter 50 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), John Hunt, Ocala, FL

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March 1, 2006 - 1:41 PM
Comment Letter 49 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Peter McDonald, Lady Lake, FL

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March 1, 2006 - 1:40 PM
Comment Letter 48 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Larry Johnson, Ft. Myers, FL

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February 28, 2006 - 2:22 PM
Comment Letter 44 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Cyril Spiro, Davie, FL

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February 27, 2006 - 2:02 PM
Comment Letter 9 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Astoria Federal Savings (Finn), Lake Success, NY

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February 23, 2006 - 2:25 PM
Comment Letter 47 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Robert Epling, Homestead, FL

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February 22, 2006 - 2:24 PM
Comment Letter 46 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Rob Kowkabany, Jacksonville, FL

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February 21, 2006 - 7:10 AM
Comment Letter 43 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Mark Jackson, Naples, FL

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February 20, 2006 - 7:09 AM
Comment Letter 42 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Covington Sharp, St. Petersburg, FL

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February 19, 2006 - 7:08 AM
Comment Letter 41 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Rory Causseaux, Gainesville, FL

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February 16, 2006 - 9:34 AM
Comment Letter 6 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Sellnow, Brian, Ft. Walton Beach, FL

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February 16, 2006 - 9:32 AM
Comment Letter 5 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Steinberger, Bruce, Coral Gables, FL

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February 16, 2006 - 9:31 AM
Comment Letter 4 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Puffer, John, Tampa, FL

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February 16, 2006 - 8:17 AM
Comment Letter 65 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Sunrise Bank (Roselle), Cocoa Beach, FL

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February 16, 2006 - 8:01 AM
Comment Letter 34 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Carl R. Palmer, Jr., Boca Raton, FL

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February 16, 2006 - 8:00 AM
Comment Letter 33 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Eric Griggs, Ponte Vedra, FL

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February 16, 2006 - 7:58 AM
Comment Letter 31 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Carlos Menendez, Miami, FL

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February 16, 2006 - 7:57 AM
Comment Letter 30 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Bradley Butrum, Naples, FL

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February 16, 2006 - 7:56 AM
Comment Letter 29 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), G. Andrew Williams, Gainesville, FL

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February 16, 2006 - 7:55 AM
Comment Letter 28 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Dimitrios Vafeas, Sarasota, FL

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February 16, 2006 - 7:54 AM
Comment Letter 27 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Mike Rabren, Ormond Beach, FL

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February 16, 2006 - 7:53 AM
Comment Letter 26 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), David Brewer, Lake City, FL

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February 16, 2006 - 7:52 AM
Comment Letter 25 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Mac Holley, Jacksonville, FL

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February 16, 2006 - 7:51 AM
Comment Letter 24 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Joseph Youd, Pensacola, FL

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February 16, 2006 - 7:50 AM
Comment Letter 23 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Michael Geml, Ft. Myers, FL

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February 16, 2006 - 7:49 AM
Comment Letter 22 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Dave Powers, Longwood, FL

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February 16, 2006 - 7:48 AM
Comment Letter 21 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Franklin Mathes, Carrabelle, FL

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February 16, 2006 - 7:47 AM
Comment Letter 20 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), W. Lee Mikell, Kissimmee, FL

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February 16, 2006 - 7:40 AM
Comment Letter 14 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Bill Marsh, Jacksonville, FL

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February 16, 2006 - 7:07 AM
Comment Letter 40 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Karen Selig, St. Augustine, FL

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February 16, 2006 - 7:06 AM
Comment Letter 39 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Josh Schroeder, Fort Walton Beach, FL

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February 16, 2006 - 7:05 AM
Comment Letter 38 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), William Holley, Tampa, FL

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February 16, 2006 - 7:04 AM
Comment Letter 37 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Jefferson Edwards, Jacksonville, FL

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February 16, 2006 - 7:02 AM
Comment Letter 36 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Randy Riley, Vero Beach, FL

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February 16, 2006 - 7:01 AM
Comment Letter 35 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Brian Carter, Miami Lakes, FL

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February 15, 2006 - 2:42 PM
Comment Letter 13 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Gregory Smith, Umatilla, FL

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February 15, 2006 - 9:29 AM
Comment Letter 3 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Stec, Peter, Davie, Fl

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February 15, 2006 - 7:46 AM
Comment Letter 19 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Leslie Goodman, Naples, FL

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February 15, 2006 - 7:45 AM
Comment Letter 18 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Bart Bishop, Boca Raton, FL

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February 15, 2006 - 7:43 AM
Comment Letter 17 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), DAvid McComb, Orlando, FL

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February 15, 2006 - 7:42 AM
Comment Letter 16 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Cynthia Ramirez, Ormond Beach, FL

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February 15, 2006 - 7:42 AM
Comment Letter 10 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Florida Bankers (Multiple Signatories), Fl

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February 15, 2006 - 7:41 AM
Comment Letter 15 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), David Butler, Carrabelle, FL

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February 15, 2006 - 7:39 AM
Comment Letter 12 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Rick Halloran, Sarasota, FL

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February 15, 2006 - 7:38 AM
Comment Letter 11 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), William Dills, Orlando, FL

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February 14, 2006 - 5:31 PM
Comment Letter 2 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), America's Community Bankers (Milon), Washington, DC

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February 10, 2006 - 9:35 AM
Comment Letter 7 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Baraboo National Bank(Linder), Baraboo, WI

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February 6, 2006 - 9:39 AM
Comment Letter 8 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Bay City National Bank (Schmidt), Redondo Beach, CA

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January 19, 2006 - 2:45 PM
Comment Letter 1 - Concentrations in Commercial REL, Sound Risk Mgmt (2006-01), Clay County Savings Bank (Usera), Liberty, MO

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