Office of the Comptroller of the Currency
                                      Federal Deposit Insurance Corporation
                                                      Federal Reserve Board
                                               Office of Thrift Supervision

Interagency Policy Statement on the
Uniform Common Core Report of Examination

October 1, 1993

In continuing efforts to promote consistency and reduce regulatory burden,
the four federal regulators of banks and thrifts have developed uniform
pages that will be used by each agency in its reports of examination of
institutions.

Common pages were developed as the core of each agency's report of
examination. These pages provide common elements of information and set a
minimum standard for the data to be provided in any agency report of
examination. The pages present overall conclusions and provide information
on capital, asset quality, management, earnings and liquidity (CAMEL). The
common core pages are flexible to accommodate different agency data
requirements while ensuring a minimum standard of information will be
maintained in reports by all agencies. Any agency may add additional pages
to its report of examination to adjust to changing needs and individual
examination requirements.

The agencies have agreed to use the uniform common core report of
examination and are committed to its implementation during 1993 to help
meet the interagency goal of regulatory uniformity.


Richard Spillenkothen
Director
Division of Bank Supervision
and Regulation
Board of Governors of
the Federal Reserve System

Stanley J. Poling
Director
Division of Supervision
Federal Deposit Insurance Corporation

John Downey
Deputy Director for
Regulatory Operations
Office of Thrift Supervision

Stephen R. Steinbrink
Senior Deputy Comptroller of
Bank Supervision Operations
Comptroller of the Currency

Attachment

                                                                 Attachment

UNIFORM COMMON CORE REPORT OF EXAMINATION PAGES

Each agency may determine the order of the mandatory core and optional
core pages in the Report of Examination.

MANDATORY Core Pages

* Examination Conclusions and Comments

* Matters Requiring Board Attention

* Comparative Statements of Financial Condition

* Capital Adequacy

* Capital Calculations

* Asset Quality

* Summary of Items Subject to Adverse Classification/Summary of Items
  Listed as Special Mention

* Management/Administration

* Earnings

* Analysis of Earnings

* Liquidity -- Asset/Liability Management



OPTIONAL Core Pages

* Compliance with Enforcement Actions

* Violations of Laws and Regulations

* Items Subject to Adverse Classification

* Items Subject to Adverse Classification (Continuation)

* Items Listed for Special Mention

* Items Listed for Special Mention (Continuation)

* Assets with Credit Data or Collateral Documentation Exceptions

* Assets with Credit Data or Collateral Documentation Exceptions
  (Continuation)

* Loans and Lease Financing Receivables/Past Due and Nonaccrual Loans and
  Leases/Comments

* Concentrations

* Signatures of Directors



SUPPLEMENTAL Information

Additional information as needed or as required by an individual agency