internal audit risk assessment
DESCRIPTION
reik regisTRANSCRIPT
Bank Risk Assessment
Summary SheetBANK NAME:Audit Risk Assessment
ModelDATE:_____________________________________YearAverageFreq.
ofLastScheduled forCategoryWeightTesting
(1-3)199919981997TestedTesting in YearOperational
TestingInvestments Total1-Internet Banking Total1-Assets Liability
Management Total1-Visa Debit Cards Total1-1997Branch Auditing
TotalATM Balancing and Control-Branch Auditing TotalBranch Customer
Service-Branch Auditing TotalOfficial Checks, including Travelers
& Cashier Checks-Branch Auditing TotalNight Depository-Branch
Auditing TotalSurprise Cash Counts-Branch Auditing TotalTeller
Balancing-Lending Total1-199919981997Wire Transfers including
Fedline Total1-199919981997Deposits TotalOverdrawn
Accounts-Deposits TotalClosed Accounts-Deposits TotalDormant
Accounts-Deposits TotalStop Payments-Deposits TotalHold
Statements-General Ledger Reconciliation Total1-Electronic Data
Processing (EDP) TotalApplication Controls-Electronic Data
Processing (EDP) TotalGeneral Control-Electronic Data Processing
(EDP) TotalEmployee Access levels-Electronic Data Processing (EDP)
TotalFile Maintenance Reports Review-Electronic Data Processing
(EDP) TotalSecurity-Other Real Estate Total1-Privacy Policy Exam
Total-Nondeposit Investment Products Total-End-User Computing
Total1-End-User Computing TotalContingency Plan-End-User Computing
TotalDisaster Recovery Plan-End-User Computing
TotalBack-up-Accounts Payable, Purchasing and Disbursements
Total1-1998Branch Auditing Total1-199919981997Deposits
Total1-Electronic Data Processing (EDP) Total1-19991997Item
Processing, Proof and Transit Total1-1998Records Total1-Compliance
TestingHome Mortgage Disclosure Act-Reg. C
Total2-19991997Truth-in-Lending-Reg. Z Total2-19981997Equal Credit
Opportunity-Reg. B Total2-1998Fair Lending Act Total2-1999RESPA
Total2-1998Truth-in-Savings Total2-19991997Electronic Fund Transfer
Act-Reg. E Total2-19991997Bank Secrecy Act
Total2-199919981997Expedited Funds Availability Act-Reg. CC
Total2-1997Fair Collection Practices Act Total2-Lending
TotalCommercial, Consumer, Mortgage-Lending TotalAllowance for Loan
Loss-Lending TotalImpaired Loans-Insider Lending-Reg. O
Total2-19991997Reserve Requirements-Reg. D Total2-Community
Reinvestment Act-Reg BB Total2-Fair Housing Act Total2-1998Records
TotalRecord Retention-Records TotalBack-up/Storage-Records
TotalSecurity-Interest on Deposits-Reg. Q Total2-1997IRS
Foreclosed/Abandoned Property Reporting Total2-1998IRS Information
Reporting on RE Loans Total2-1998IRS Mortgage Interest Reporting
Total2-1998Fair Credit Reporting Act Total2-1999Bank Protection
Act-Reg. P Total2-Wire Transfers including Fedline
TotalControls-Wire Transfers including Fedline TotalSystem
Controls-
&R&"Times New Roman,Regular"&14Exhibit A
Based on the average risk weight indicated for each audit area
management should determine the frequency of testing. Areas with a
high average weight should be tested annually, and low average
weight areas may be tested every three years. Please indicate
frequency next to each area. Indicate 1 for annual testing, 2 for
biannual testing and 3 for triannual testing.
Data SheetBANK NAMEAudit Risk Assessment
ModelDATE:_________________________________________ManagementTotalSubcategoryAssessmentCalculatedRisk
Weightof Risk (0-5)Risk WeightBranch AuditingATM Balancing and
ControlValue per transaction8-Complexity of transactions8-Total
value of transactions on daily basis9-Complexity of data processing
applications and balancing5-Frequency of reconciliations5-Overall
loss exposure to the bank15-Existence of segregation of duties or
comp. controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10-Subtotal100-Branch Customer ServiceValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10-Subtotal100-Official Checks, including Travellers &
Cashier ChecksValue per transaction8-Complexity of
transactions8-Total value of transactions on daily
basis9-Complexity of balancing procedures5-Frequency of
reconciliations5-Overall loss exposure to the bank15-Existence of
segregation of duties or comp. controls10-Overall regulatory
exposure5-Level of employee training5-Employee's problem solving
ability5-Level of independent review of reconciliations5-Existence
of audit trail5-Employee Turnover in this area5-Frequency of
findings in this area10-Subtotal100-Night DepositoryValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10-Subtotal100-Surprise Cash CountsValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10-Subtotal100-Teller BalancingValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10-Subtotal100-Branch Auditing Total-Item Processing, Proof and
TransitValue per transaction8-Complexity of transactions8-Total
value of transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this area10--Item
Processing, Proof and Transit Total100-LendingCommercial, Consumer,
MortgageValue per transaction8-Complexity of transactions8-Total
value of transactions on daily basis9-Complexity of balancing
procedures5-Exposure to credit risk5-Overall loss exposure to the
bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100--Allowance for Loan LossValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100--Impaired LoansValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100--Lending Total300--Accounts Payable, Purchasing
and DisbursementsValue per transaction8-Complexity of
transactions8-Total value of transactions on daily
basis9-Complexity of balancing procedures5-Frequency of
reconciliations5-Overall loss exposure to the bank15-Existence of
segregation of duties or comp. controls10-Overall regulatory
exposure5-Level of employee training5-Employee's problem solving
ability5-Level of independent review of reconciliations5-Existence
of audit trail5-Employee Turnover in this area5-Frequency of
findings in this area10--Accounts Payable, Purchasing and
Disbursements Total100--DepositsOverdrawn AccountsValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100--Closed AccountsValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100--Dormants AccountsValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100--Stop PaymentsValue per transaction8-Complexity
of transactions8-Total value of transactions on daily
basis9-Complexity of balancing procedures5-Frequency of
reconciliations5-Overall loss exposure to the bank15-Existence of
segregation of duties or comp. controls10-Overall regulatory
exposure5-Level of employee training5-Employee's problem solving
ability5-Level of independent review of reconciliations5-Existence
of audit trail5-Employee Turnover in this area5-Frequency of
findings in this area10--Subtotal100--Hold StatementsValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100-Deposits Total-Electronic Data Processing
(EDP)Application ControlsValue per transaction8-Complexity of
transactions8-Total value of transactions on daily
basis9-Complexity of balancing procedures5-Frequency of
reconciliations5-Overall loss exposure to the bank15-Existence of
segregation of duties or comp. controls10-Overall regulatory
exposure5-Level of employee training5-Employee's problem solving
ability5-Level of independent review of reconciliations5-Existence
of audit trail5-Employee Turnover in this area5-Frequency of
findings in this area10--Subtotal100-General ControlValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100-Employee Access levelsValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100-File Maintenance Reports ReviewValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100-SecurityValue per transaction8-Complexity of
transactions8-Total value of transactions on daily
basis9-Complexity of balancing procedures5-Frequency of
reconciliations5-Overall loss exposure to the bank15-Existence of
segregation of duties or comp. controls10-Overall regulatory
exposure5-Level of employee training5-Employee's problem solving
ability5-Level of independent review of reconciliations5-Existence
of audit trail5-Employee Turnover in this area5-Frequency of
findings in this area10--Subtotal100-Electronic Data Processing
(EDP) Total500-Internet BankingValue per transaction8-Complexity of
transactions8-Total value of transactions on daily
basis9-Complexity of balancing procedures5-Frequency of
reconciliations5-Overall loss exposure to the bank15-Existence of
segregation of duties or comp. controls10-Overall regulatory
exposure5-Level of employee training5-Employee's problem solving
ability5-Level of independent review of reconciliations5-Existence
of audit trail5-Employee Turnover in this area5-Frequency of
findings in this area10--Internet Banking Total100-General Ledger
ReconciliationValue per transaction8-Complexity of
transactions8-Total value of transactions on daily
basis9-Complexity of balancing procedures5-Frequency of
reconciliations5-Overall loss exposure to the bank15-Existence of
segregation of duties or comp. controls10-Overall regulatory
exposure5-Level of employee training5-Employee's problem solving
ability5-Level of independent review of reconciliations5-Existence
of audit trail5-Employee Turnover in this area5-Frequency of
findings in this area10--General Ledger Reconciliation
Total100-InvestmentsValue per transaction8-Complexity of
transactions8-Total value of transactions on daily
basis9-Complexity of balancing procedures5-Frequency of
reconciliations5-Overall loss exposure to the bank15-Existence of
segregation of duties or comp. controls10-Overall regulatory
exposure5-Level of employee training5-Employee's problem solving
ability5-Level of independent review of reconciliations5-Existence
of audit trail5-Employee Turnover in this area5-Frequency of
findings in this area10--Investments Total100-Wire Transfers
includingFedlineControlsValue per transaction8-Complexity of
transactions8-Total value of transactions on daily
basis9-Complexity of balancing procedures5-Frequency of
reconciliations5-Overall loss exposure to the bank15-Existence of
segregation of duties or comp. controls10-Overall regulatory
exposure5-Level of employee training5-Employee's problem solving
ability5-Level of independent review of reconciliations5-Existence
of audit trail5-Employee Turnover in this area5-Frequency of
findings in this area10--Subtotal100-System ControlsValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100-Wire Transfers including Fedline Total-Visa
Debit CardsValue per transaction8-Complexity of transactions8-Total
value of transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this area10--Visa
Debit Cards Total100-End-User ComputingContingency PlanValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100-Disaster Recovery PlanValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100-Back-upValue per transaction8-Complexity of
transactions8-Total value of transactions on daily
basis9-Complexity of balancing procedures5-Frequency of
reconciliations5-Overall loss exposure to the bank15-Existence of
segregation of duties or comp. controls10-Overall regulatory
exposure5-Level of employee training5-Employee's problem solving
ability5-Level of independent review of reconciliations5-Existence
of audit trail5-Employee Turnover in this area5-Frequency of
findings in this area10--Subtotal100-End-User Computing
Total-RecordsRecord RetentionValue per transaction8-Complexity of
transactions8-Total value of transactions on daily
basis9-Complexity of balancing procedures5-Frequency of
reconciliations5-Overall loss exposure to the bank15-Existence of
segregation of duties or comp. controls10-Overall regulatory
exposure5-Level of employee training5-Employee's problem solving
ability5-Level of independent review of reconciliations5-Existence
of audit trail5-Employee Turnover in this area5-Frequency of
findings in this area10--Subtotal100-Back-up/StorageValue per
transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Subtotal100-SecurityValue per transaction8-Complexity of
transactions8-Total value of transactions on daily
basis9-Complexity of balancing procedures5-Frequency of
reconciliations5-Overall loss exposure to the bank15-Existence of
segregation of duties or comp. controls10-Overall regulatory
exposure5-Level of employee training5-Employee's problem solving
ability5-Level of independent review of reconciliations5-Existence
of audit trail5-Employee Turnover in this area5-Frequency of
findings in this area10--Subtotal100-Records Total-Other Real
EstateValue per transaction8--Complexity of transactions8--Total
value of transactions on daily basis9--Complexity of balancing
procedures5--Frequency of reconciliations5--Overall loss exposure
to the bank15--Existence of segregation of duties or comp.
controls10--Overall regulatory exposure5--Level of employee
training5--Employee's problem solving ability5--Level of
independent review of reconciliations5--Existence of audit
trail5--Employee Turnover in this area5--Frequency of findings in
this area10---Other Real Estate Total100-Privacy Policy ExamValue
per transaction8-Complexity of transactions8-Total value of
transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Privacy Policy Exam Total100-Nondeposit Investment
ProductsValue per transaction8-Complexity of transactions8-Total
value of transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this
area10--Nondeposit Investment Products Total100-Assets Liability
ManagementValue per transaction8-Complexity of transactions8-Total
value of transactions on daily basis9-Complexity of balancing
procedures5-Frequency of reconciliations5-Overall loss exposure to
the bank15-Existence of segregation of duties or comp.
controls10-Overall regulatory exposure5-Level of employee
training5-Employee's problem solving ability5-Level of independent
review of reconciliations5-Existence of audit trail5-Employee
Turnover in this area5-Frequency of findings in this area10--Assets
Liability Management Total100-Regulatory ComplianceBank Protection
Act-Reg. POverall loss exposure to the bank15-Overall regulatory
exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Bank Protection Act-Reg. P Total100--Bank Secrecey
ActOverall loss exposure to the bank15-Overall regulatory
exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Bank Secrecey Act Total100--Community Reinvestment Act-Reg
BBOverall loss exposure to the bank15-Overall regulatory
exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Community Reinvestment Act-Reg BB Total100--Electronic Fund
Transfer Act-Reg. EOverall loss exposure to the bank15-Overall
regulatory exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Electronic Fund Transfer Act-Reg. E Total100--Equal Credit
Opportunity-Reg. BOverall loss exposure to the bank15-Overall
regulatory exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Equal Credit Opportunity-Reg. B Total100--Expedited Funds
Availability Act-Reg. CCOverall loss exposure to the bank15-Overall
regulatory exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Expedited Funds Availability Act-Reg. CC Total100--Fair
Credit Reporting ActOverall loss exposure to the bank15-Overall
regulatory exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Fair Credit Reporting Act Total100--Fair Collection
Practices ActOverall loss exposure to the bank15-Overall regulatory
exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Fair Collection Practices Act Total100--Fair Housing
ActOverall loss exposure to the bank15-Overall regulatory
exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Fair Housing Act Total100--Home Mortgage Disclosure Act-Reg.
COverall loss exposure to the bank15-Overall regulatory
exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Home Mortgage Disclosure Act-Reg. C Total100--Insider
Lending-Reg. OOverall loss exposure to the bank15-Overall
regulatory exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Insider Lending-Reg. O Total100--Interest on Deposits-Reg.
QOverall loss exposure to the bank15-Overall regulatory
exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Interest on Deposits-Reg. Q Total100--Real Estate
Settlement-Reg. XOverall loss exposure to the bank15-Overall
regulatory exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Real Estate Settlement-Reg. X Total100--Reserve
Requirements-Reg. DOverall loss exposure to the bank15-Overall
regulatory exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Reserve Requirements-Reg. D Total100--Truth-in-Lending-Reg.
ZOverall loss exposure to the bank15-Overall regulatory
exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Truth-in-Lending-Reg. Z Total100--Truth-in-SavingsOverall
loss exposure to the bank15-Overall regulatory
exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Truth-in-Savings Total100--RESPAOverall loss exposure to the
bank15-Overall regulatory exposure20-Employee's problem solving
ability15-Employee turnover35-Frequency of findings in this area
(Regulators & MA)15--RESPA Total100--Fair Lending ActOverall
loss exposure to the bank15-Overall regulatory
exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--Fair Lending Act Total100--IRS Information Reporting on RE
LoansOverall loss exposure to the bank15-Overall regulatory
exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--IRS Information Reporting on RE Loans Total100--IRS Mortgage
Interest ReportingOverall loss exposure to the bank15-Overall
regulatory exposure20-Employee's problem solving ability15-Employee
turnover35-Frequency of findings in this area (Regulators &
MA)15--IRS Mortgage Interest Reporting Total100--IRS
Foreclosed/Abandoned Property ReportingOverall loss exposure to the
bank15-Overall regulatory exposure20-Employee's problem solving
ability15-Employee turnover35-Frequency of findings in this area
(Regulators & MA)15--IRS Foreclosed/Abandoned Property
Reporting Total100--
Input management's assessment of the level of risk to the bank
associated with each category with 1 as low risk, 3 as average risk
and 5 high risk. 0 denotes not applicable to the specific
category.
Sheet3