Onsite examinations are a significant part of the FDIC's supervisory function. The DSC Manual
of Examination Policies in section 1.1 states that the “examination process can help prevent
problem situations from remaining uncorrected and deteriorating to the point where costly
financial assistance by the FDIC, or even a payoff of depositors, becomes unavoidable.” Further
the manual notes “the examination supplies the supervisor with an understanding of the nature,