Overall, our analysis of FRB Chicago’s supervision of Elmwood revealed that examiners
repeatedly cited the bank’s marginal earnings performance, capital levels that were below its
peer group, and inadequate credit risk management practices, but, in our opinion, FRB Chicago
had opportunities for earlier and more forceful supervisory action.
Overall, our analysis of FRB Chicago’s supervision of Elmwood revealed that examinersrepeatedly cited the bank’s marginal earnings performance, capital levels that were below itspeer group, and inadequate credit risk management practices, but, in our opinion, FRB Chicagohad opportunities for earlier and more forceful supervisory action.
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