Bank Appeals Summaries

Because questions and disagreements can arise from bank examinations, the OCC’s Bank Appeals Process provides an independent avenue for appealing certain supervisory actions. We encourage banks to first attempt to resolve disagreements through informal discussions with their immediate supervisory office or the OCC Ombudsman.

Please refer to the documents below for additional information regarding the OCC's bank appeals program:

OCC Bulletin 2013-15,"Guidance for Bankers: Bank Appeals Process," June 7, 2013

Bank Appeals Process Brochure

Ombudsman's Report

Follow the links on this page for summaries of appeals submitted through the OCC's Bank Appeals process.

Year/Quarter	Title	Type	Secondary Type
2024 Q4	Appeal of Fair Lending Referral	Consumer Compliance
2024 Q3	Appeal of Component Rating and Risk Assessment System	Miscellaneous Safety & Soundness Issues	Composite CAMELS Ratings
2024 Q3	Appeal of Informal Enforcement Action	Miscellaneous Safety & Soundness Issues
2024 Q3	Appeal of Fair Lending Referral	Consumer Compliance
2024 Q3	Appeal of Component and Composite Ratings	Composite CAMELS Ratings
2024 Q2	Appeal of Fair Lending Violations of Law	Consumer Compliance
2024 Q1	Appeal of Composite Rating, Component Ratings, Risk Assessment System, Matters Requiring Attention, and Other Matters	Miscellaneous Safety & Soundness Issues
2024 Q1	Appeal of Composite and Component Ratings, Matters Requiring Attention, and Violation of Law	Miscellaneous Safety & Soundness Issues
2024 Q1	Appeal of Fair Lending Referral	Consumer Compliance
2024 Q1	Appeal of Fair Lending Referral	Consumer Compliance
2024 Q1	Appeal of Community Reinvestment Act Rating	Consumer Compliance	Community Reinvestment Act
2023 Q3	Appeal of Shared National Credit	Shared National Credits
2023 Q3	Appeal of Shared National Credit	Shared National Credits
2023 Q4	Appeal of Matters Requiring Attention and Violation of Law	Miscellaneous Safety & Soundness Issues
2023 Q4	Appeal of Fair Lending Referral	Consumer Compliance
2023 Q4	Appeal of Component Ratings, Assessment of Compliance With an Enforcement Action, Violations of Laws and Regulations, Risk Assessment System, and Other Matters	Miscellaneous Safety & Soundness Issues	Composite CAMELS Ratings
2023 Q3	Appeal of Matters Requiring Attention and Violation of Law	Miscellaneous Safety & Soundness Issues
2023 Q3	Appeal of Fair Lending Referral	Consumer Compliance
2023 Q3	Appeal of Fair Lending Referral	Consumer Compliance
2023 Q2	Appeal of Fair Lending Referral	Consumer Compliance
2023 Q1	Appeal of Shared National Credit	Shared National Credits
2023 Q1	Appeal of Shared National Credit	Shared National Credits
2023 Q1	Appeal of Shared National Credit	Shared National Credits
2023 Q1	Appeal of Shared National Credit	Shared National Credits
2023 Q1	Appeal of Shared National Credit	Shared National Credits
2023 Q1	Appeal of Shared National Credit	Shared National Credits
2022 Q4	Appeal of a Violation of the Fair Housing Act	Consumer Compliance
2022 Q4	Appeal of Fair Lending Referral	Consumer Compliance
2022 Q3	Appeal of Composite Ratings, Assessment of Compliance with an Enforcement Action, Violations of Laws and Regulations, and Other Matters	Miscellaneous Safety & Soundness Issues	Composite CAMELS Ratings
2022 Q3	Appeal of Shared National Credit	Shared National Credits
2022 Q3	Appeal of Shared National Credit	Shared National Credits
2022 Q3	Appeal of Shared National Credit	Shared National Credits
2022 Q3	Appeal of Shared National Credit	Shared National Credits
2022 Q3	Appeal of Shared National Credit	Shared National Credits
2022 Q3	Appeal of Shared National Credit	Shared National Credits
2022 Q3	Appeal of Shared National Credit	Shared National Credits
2022 Q3	Appeal of Shared National Credit	Shared National Credits
2022 Q1	Appeal of Shared National Credit	Shared National Credits
2022 Q1	Appeal of Shared National Credit	Shared National Credits
2022 Q1	Appeal of Shared National Credit	Shared National Credits
2022 Q1	Appeal of Shared National Credit	Shared National Credits
2021 Q3	Appeal of Shared National Credit	Shared National Credits
2021 Q3	Appeal of Shared National Credit	Shared National Credits
2021 Q3	Appeal of Shared National Credit	Shared National Credits
2021 Q3	Appeal of Shared National Credit	Shared National Credits
2021 Q3	Appeal of Shared National Credit	Shared National Credits
2021 Q1	Appeal of Shared National Credit	Shared National Credits
2021 Q1	Appeal of Shared National Credit	Shared National Credits
2021 Q1	Appeal of Shared National Credit	Shared National Credits
2021 Q1	Appeal of Shared National Credit	Shared National Credits
2021 Q1	Appeal of Shared National Credit	Shared National Credits
2021 Q1	Appeal of Shared National Credit	Shared National Credits
2020 Q3	Appeal of Shared National Credit	Shared National Credits
2020 Q3	Appeal of Shared National Credit	Shared National Credits
2020 Q3	Appeal of Shared National Credit	Shared National Credits
2020 Q3	Appeal of Shared National Credit	Shared National Credits
2020 Q3	Appeal of Shared National Credit	Shared National Credits
2020 Q3	Appeal of Matters Requiring Attention, Violations of Law, and Management Rating	Miscellaneous Safety & Soundness Issues
2020 Q1	Appeal of Loan Classification	Miscellaneous Safety & Soundness Issues
2020 Q1	Appeal of Loan Classification	Miscellaneous Safety & Soundness Issues
2019 Q3	Appeal of Shared National Credit	Shared National Credits
2019 Q3	Appeal of Shared National Credit	Shared National Credits
2019 Q2	Appeal of Component Ratings, Matters Requiring Attention, and Violations of Law	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2019 Q2	Appeal of Shared National Credit	Shared National Credits
2019 Q1	Appeal of Fair Lending Referral	Consumer Compliance	Miscellaneous Safety & Soundness Issues
2019 Q1	Appeal of Shared National Credit	Shared National Credits
2019 Q1	Appeal of Shared National Credit	Shared National Credits
2019 Q1	Appeal of Shared National Credit	Shared National Credits
2019 Q1	Appeal of Shared National Credit	Shared National Credits
2018 Q4	Appeal of Fair Lending Referral	Consumer Compliance	Miscellaneous Safety & Soundness Issues
2018 Q4	Appeal of Semi-Annual Assessment	Other
2018 Q3	Appeal of Shared National Credit	Shared National Credits
2018 Q3	Appeal of Shared National Credit	Shared National Credits
2018 Q3	Appeal of Shared National Credit	Shared National Credits
2018 Q3	Appeal of Shared National Credit	Shared National Credits
2018 Q3	Appeal of Shared National Credit	Shared National Credits
2018 Q3	Appeal of Matters Requiring Attention and Component Rating	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2018 Q2	Appeal of Fair Lending Referral	Consumer Compliance	Miscellaneous Safety & Soundness Issues
2018 Q1	Appeal of Composite and Component Ratings, Credit Risk Assessment, Matters Requiring Attention, and Violations of Law	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2018 Q1	Appeal of Composite and Management Ratings, Violations of Law, and Other Material Supervisory Determinations	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2018 Q1	Appeal of "Needs to Improve" Community Reinvestment Act Rating	Consumer Compliance	Community Reinvestment Act
2018 Q1	Appeal of Shared National Credit	Shared National Credits
2017 Q4	Appeal of Fair Lending Referral	Consumer Compliance	Miscellaneous Safety & Soundness Issues
2017 Q3	Appeal of Composite and Component Ratings, Assessment of Compliance with an Enforcement Action, and Violations of Laws and Regulations	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2017 Q3	Appeal of Composite and Component Ratings and Troubled Condition Designation	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2017 Q3	Appeal of Shared National Credit	Shared National Credits
2017 Q3	Appeal of Shared National Credit	Shared National Credits
2017 Q3	Appeal of Shared National Credit	Shared National Credits
2017 Q3	Appeal of Shared National Credit	Shared National Credits
2017 Q3	Appeal of Shared National Credit	Shared National Credits
2017 Q2	Appeal of Accounting Adjustments	Accounting Issues
2017 Q2	Appeal of Composite and Component Ratings and Matters Requiring Attention	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2017 Q2	Appeal of Material Supervisory Determinations	Miscellaneous Safety & Soundness Issues
2017 Q2	Appeal of 12 CFR 359 Determination - Golden Parachute and Indemnification Payments Regulation	Miscellaneous Safety & Soundness Issues
2017 Q2	Appeal of Compliance with a Formal Enforcement Action	Miscellaneous Safety & Soundness Issues
2017 Q2	Appeal of Shared National Credit	Shared National Credits
2017 Q1	Appeal of Violation of Law and Matters Requiring Attention	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2017 Q1	Appeal of "Needs to Improve" Community Reinvestment Act Rating	Consumer Compliance	Community Reinvestment Act
2017 Q1	Appeal of "Needs to Improve" Community Reinvestment Act Rating	Consumer Compliance	Community Reinvestment Act
2017 Q1	Appeal of Matters Requiring Attention and Assessment of Compliance with an Enforcement Action	Miscellaneous Safety & Soundness Issues
2017 Q1	Appeal of Violation of the Bank Secrecy Act	Miscellaneous Safety & Soundness Issues
2017 Q1	Appeal of Shared National Credit	Shared National Credits
2017 Q1	Appeal of Shared National Credit	Shared National Credits
2017 Q1	Appeal of Shared National Credit	Shared National Credits
2017 Q1	Appeal of Shared National Credit	Shared National Credits
2017 Q1	Appeal of Shared National Credit	Shared National Credits
2017 Q1	Appeal of Shared National Credit	Shared National Credits
2017 Q1	Appeal of Shared National Credit	Shared National Credits
2017 Q1	Appeal of Shared National Credit	Shared National Credits
2017 Q1	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q4	Appeal of Shared National Credit	Shared National Credits
2016 Q2	Appeal of Shared National Credit	Shared National Credits
2016 Q2	Appeal of Shared National Credit	Shared National Credits
2016 Q2	Appeal of Shared National Credit	Shared National Credits
2016 Q2	Appeal of Shared National Credit	Shared National Credits
2016 Q2	Appeal of Shared National Credit	Shared National Credits
2016 Q2	Appeal of Shared National Credit	Shared National Credits
2016 Q2	Appeal of Shared National Credit	Shared National Credits
2016 Q2	Appeal of Shared National Credit	Shared National Credits
2016 Q2	Appeal of Shared National Credit	Shared National Credits
2016 Q2	Appeal of Shared National Credit	Shared National Credits
2016 Q1	Appeal of Violation of Regulation O	Miscellaneous Safety & Soundness Issues
2015 Q4	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q3	Appeal of Shared National Credit	Shared National Credits
2015 Q2	Appeal of Composite and Component Ratings, Matter Requiring Attention, Violation of Law, and Compliance With a Formal Enforcement Action	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2015 Q1	Appeal of Allowance for Loan and Lease Losses Deficiency	Miscellaneous Safety & Soundness Issues
2014 Q3	Appeal of Shared National Credit	Shared National Credits
2014 Q3	Appeal of Shared National Credit	Shared National Credits
2014 Q3	Appeal of Shared National Credit	Shared National Credits
2014 Q3	Appeal of Shared National Credit	Shared National Credits
2014 Q3	Appeal of Shared National Credit	Shared National Credits
2014 Q3	Appeal of Shared National Credit	Shared National Credits
2014 Q3	Appeal of Shared National Credit	Shared National Credits
2014 Q3	Appeal of Shared National Credit	Shared National Credits
2014 Q3	Appeal of Shared National Credit	Shared National Credits
2014 Q3	Appeal of Shared National Credit	Shared National Credits
2014 Q2	Appeal of Matters Requiring Attention and Violation of Laws and Regulations	Miscellaneous Safety & Soundness Issues
2013 Q4	Appeal of Equal Credit Opportunity Act Violation and U.S. Department of Justice Referral	Miscellaneous Safety & Soundness Issues	Consumer Compliance
2013 Q3	Appeal of Accounting Treatment, Risk Weighting, and Call Report Amendments Related to Purchased Mortgage Loan Interests	Accounting Issues	Miscellaneous Safety & Soundness Issues
2013 Q3	Appeal of Shared National Credit	Shared National Credits
2013 Q2	Appeal of Accounting Treatment and Rating of Foreclosed Asset	Accounting Issues	Miscellaneous Safety & Soundness Issues
2013 Q2	Appeal of Component Ratings	Composite CAMELS Ratings
2013 Q2	Appeal of Composite and Component Ratings, Risk Assessments, Matters Requiring Attention, Violation of Law, and Loan Classifications	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2013 Q2	Appeal of Composite and Component Ratings	Composite CAMELS Ratings
2012 Q4	Appeal of Component Ratings, Matters Requiring Attention, Troubled Condition Designation, and Compliance with an Informal Enforcement Action	Composite CAMELS Ratings	MiscellaneousSafety & Soundness Issues
2012 Q3	Appeal of Loan Classifications, Composite and Component Ratings, and Troubled Condition Designation	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2012 Q3	Appeal of Composite Rating and Component Ratings, Loan Classifications, Matters Requiring Attention, and Violations of Law	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2012 Q3	Appeal of Matters Requiring Attention	Miscellaneous Safety & Soundness Issues
2012 Q2	Appeal of Composite and Component Ratings and Violations of Law	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2012 Q2	Appeal of Inconsistencies in the Report of Examination and other Administrative Concerns	Miscellaneous Safety & Soundness Issues
2012 Q1	Appeal of Accounting Treatment of Real Estate Owned Valuation and Misapplication of Regulatory Guidance	Accounting Issues	Miscellaneous Safety & Soundness Issues
2012 Q1	Appeal of Violation of Federal Trade Commission Act and Material Supervisory Determinations	Miscellaneous Safety & Soundness Issues
2012 Q1	Appeal of Violation of Regulation O	Miscellaneous Safety & Soundness Issues
2011 Q4	Appeal of CAMELS Component Ratings and Termination of an Informal Enforcement Action	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2011 Q4	Appeal of Shared National Credit (SNC)	Shared National Credits
2011 Q3	Appeal of Potential Fair Lending Violations of Law	Consumer Compliance	Miscellaneous Safety & Soundness Issues
2011 Q3	Appeal Summary Golden Parachute Violation	Miscellaneous Safety & Soundness Issues
2010 Q4	Appeal of CAMELS Composite Rating and Component Ratings for Asset Quality, Management, and Consumer Compliance	Composite CAMELS Ratings	Consumer Compliance
2010 Q4	Appeal of Composite Rating and Component Ratings for Management, Liquidity and Sensitivity to Market Risks	Composite CAMELS Ratings
2010 Q4	Appeal of CAMELS Composite Rating and Component Ratings for Capital, Management, Earnings and Consumer Compliance	Composite CAMELS Ratings	Consumer Compliance
2010 Q4	Appeal of CAMELS Composite Rating and Component Ratings for Asset Quality, Management, Liquidity and Consumer Compliance	Composite CAMELS Ratings	Consumer Compliance
2010 Q4	Appeal of Violation of 12 U.S.C. § 161	Miscellaneous Safety & Soundness Issues
2010 Q4	Appeal of Shared National Credit (SNC)	Shared National Credits
2010 Q3	Appeal of Shared National Credit (SNC)	Shared National Credits
2010 Q3	Appeal of Shared National Credit (SNC) – Loss Classification	Shared National Credits
2010 Q2	Appeal of CAMELS Component Rating for Management	Composite CAMELS Ratings
2010 Q2	Appeal of CAMELS Composite Rating and Component Ratings for Capital, Asset Quality, Management, Earnings, Liquidity and Sensitivity to Market Risks	Composite CAMELS Ratings
2010 Q2	Appeal of Violations of Law	Miscellaneous Safety & Soundness Issues
2009 Q4	Appeal of Supervisory Office Decision to Assign the Troubled Bank Designation During the Examination	Miscellaneous Safety & Soundness Issues
2009 Q4	Appeal of Shared National Credit (SNC) Appeal Panel's Rating of a Credit Facility as Substandard Nonaccrual	Shared National Credits
2009 Q2	Appeal of Composite Rating and Component Ratings for Asset Quality and Management	Composite CAMELS Ratings
2008 Q4	Appeal of Supervisory Office Decisions Regarding the Accounting Treatment of the Investment Portfolio, a Provision to the Allowance for Loan and Lease Losses, and the Charge Off of Accrued Interest on a Nonaccrual Loan	Accounting Issues	Miscellaneous Safety & Soundness Issues
2008 Q4	Appeal of the Composite Rating and Component Ratings for Asset Quality, Management, Sensitivity to Market Risk, and Information Technology	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2008 Q3	Appeal of Capital Rating and Adequately Capitalized Designation	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2008 Q1	Appeal of Early Adoption of the Statement of Financial Accounting Standards No. 159 - Summary 2	Accounting Issues
2008 Q1	Appeal of Early Adoption of the Statement of Financial Accounting Standards No. 159 - Summary 1	Accounting Issues
2008 Q1	Appeal of Findings and Mandates of Supervisory Letter	Miscellaneous Safety & Soundness Issues
2007 Q4	Appeal of Early Adoption of the Statement of Financial Accounting Standards No. 159	Accounting Issues
2007 Q2	Appeal of "Needs to Improve" Community Reinvestment Act (CRA) Rating	Consumer Compliance	Community Reinvestment Act
2007 Q2	Appeal of OCC Decision to Deny Two Branch Applications	Other
2006 Q4	Appeal of OCC Decision to Deny Two Branch Applications	Other
2006 Q3	Appeal of Composite and CAMELS Ratings	Composite CAMELS Ratings
2006 Q3	Appeal of Memorandum of Understanding	Miscellaneous Safety & Soundness Issues
2006 Q3	Appeal of a Nonaccrual Status	Miscellaneous Safety & Soundness Issues
2006 Q2	Appeal of CRA Performance Evaluation Rating	Consumer Compliance	Community Reinvestment Act
2006 Q1	Appeal of Composite and Component Ratings	Composite CAMELS Ratings
2005 Q3	Appeal of Composite and Component Ratings	Composite CAMELS Ratings
2005 Q3	Appeal of Semiannual Assessment Fee	Other
2005 Q2	Appeal of the Composite CAMELS Rating	Composite CAMELS Ratings
2005 Q1	Appeal of Partial Assessment Fee	Other
2005 Q1	Appeal of a Shared National Credit	Shared National Credits
2004 Q3	Appeal of Composite and Component Ratings	Composite CAMELS Ratings
2004 Q3	Appeal of Examination Conclusions for Asset Quality, Capital Adequacy, Corporate Governance, Recommended Reserve Allocation, and Designation as "Troubled Condition"	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2003 Q4	Appeal of Certain Safety and Soundness Conclusions and Stay of Two Supervisory Directives	Miscellaneous Safety & Soundness Issues
2003 Q3	Appeal of CRA Rating and Examination Conclusions	Consumer Compliance	Community Reinvestment Act
2003 Q3	Appeal of Report of Examination Conclusions	Miscellaneous Safety & Soundness Issues	Composite CAMELS Ratings
2003 Q1	Appeal of Memorandum of Understanding	Miscellaneous Safety & Soundness Issues
2003 Q1	Appeal of Nonaccrual Status	Miscellaneous Safety & Soundness Issues
2003 Q1	Appeal of OCC's Objection of a Director for a Bank-in-Organization	Other
2002 Q4	Appeal of Accounting Decision	Accounting Issues
2002 Q3	Appeal Composite and CAMELS Component Ratings	Composite CAMELS Ratings
2002 Q1	Appeal of an Insider Violation for Preferential Treatment	Miscellaneous Safety & Soundness Issues
2002 Q1	Appeal of Noncompliance with Two Articles in a Formal Agreement	Miscellaneous Safety & Soundness Issues
2001 Q4	Appeal of Sensitivity to Market Risk, Earnings, and Management Component Ratings	Composite CAMELS Ratings
2001 Q4	Appeal of the Treatment of Credit Cards by a Liquidating Entity	Miscellaneous Safety & Soundness Issues
2001 Q3	Appeal of Sensitivity to Market Risk Component Rating	Composite CAMELS Ratings
2001 Q3	Appeal of Violations of 12 USC 375(b)	Miscellaneous Safety & Soundness Issues
2001 Q1	Appeal of 3 Composite CAMELS Rating of 3 and Various Component Ratings	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
2000 Q3	Appeal of Management Rating of 2	Composite CAMELS Ratings
2000 Q3	Appeal of "Needs to Improve" CRA Rating	Consumer Compliance	Community Reinvestment Act
2000 Q3	Appeal of "Noncompliance" with an Article of the Bank's Formal Agreement	Miscellaneous Safety & Soundness Issues
2000 Q1	Appeal of "Needs to Improve" CRA Rating	Consumer Compliance	Community Reinvestment Act
1999 Q4	Appeal of an OCC's Denial of Branch Relocation	Other
1999 Q2	Appeal of Composite CAMELS Rating of 3	Composite CAMELS Ratings
1999 Q2	Appeal of "Needs to Improve" CRA Rating	Consumer Compliance	Community Reinvestment Act
1999 Q2	Appeal of OCC's Interpretation of the Risk-Based Capital Treatment of Assigned Residual Interests in Asset Securitizations	Miscellaneous Safety & Soundness Issues
1999 Q2	Appeal of Denial of de Novo Charter	Other
1999 Q2	Appeal of a Violation of the Legal Lending Limit	Miscellaneous Safety & Soundness Issues
1999 Q1	Appeal of "Needs to Improve" CRA Rating- Lending to LMI Individuals	Consumer Compliance	Community Reinvestment Act
1999 Q1	Appeal of Potential Violation of the Equal Credit Opportunity Act and the Fair Housing Act	Consumer Compliance	Miscellaneous Safety & Soundness Issues
1998 Q4	Appeal of Composite CAMELS Rating of 3 and Other Examination Conclusions	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
1998 Q4	Appeal of "Needs to Improve" CRA Rating	Consumer Compliance	Community Reinvestment Act
1998 Q3	Appeal of Composite Rating of 4 and Several Component Ratings	Composite CAMELS Ratings	Miscellaneous Safety & Soundness Issues
1998 Q3	Appeal of Potential Violation of the Equal Credit Opportunity Act (ECOA) - Disparate Treatment on the Basis of National Origin	Consumer Compliance	Miscellaneous Safety & Soundness Issues
1998 Q3	Appeal of "Satisfactory" CRA Rating	Consumer Compliance	Community Reinvestment Act
1998 Q2	Appeal of Potential Violation of the Fair Housing Act	Consumer Compliance	Miscellaneous Safety & Soundness Issues
1998 Q2	Appeal of "Satisfactory" CRA Rating	Consumer Compliance	Community Reinvestment Act
1998 Q2	Appeal of Component and Composite CAMELS Rating	Composite CAMELS Ratings
1998 Q1	Appeal of Composite CAMELS Rating	Composite CAMELS Ratings
1998 Q1	Appeal of CRA Rating	Consumer Compliance	Community Reinvestment Act
1997 Q4	Needs to Improve CRA Rating - Limited-Purpose Institution	Consumer Compliance	Community Reinvestment Act
1997 Q2	Appeal of Appropriate Treatment of Intercompany Transactions	Accounting Issues	Miscellaneous Safety & Soundness Issues
1997 Q1	Appeal of Consumer Compliance Rating	Consumer Compliance
1997 Q1	Reporting Requirement of Securities Exchange ACT	Miscellaneous Safety & Soundness Issues
1996 Q4	Appeal of Composite CAMELS Rating	Composite CAMELS Ratings
1996 Q4	Appeal of Violation of Dividend Calculation	Miscellaneous Safety & Soundness Issues
1996 Q2	Appeal of Denial of Request to Record a Core Deposit Intangible and Include it in Regulatory Capital	Accounting Issues	Miscellaneous Safety & Soundness Issues
1996 Q2	Appeal of Denial of Proposed Community Development Investment	Consumer Compliance	Community Reinvestment Act
1996 Q1	Appeal of Composite CAMELS Rating	Composite CAMELS Ratings
1996 Q1	Appeal of Report of Examination	Miscellaneous Safety & Soundness Issues
1996 Q1	Appeal of Violation of Insider Lending Limitations	Miscellaneous Safety & Soundness Issues
1995 Q4	Appeal of Violation of Law	Miscellaneous Safety & Soundness Issues
1995 Q4	Appeal of Denial of Branch Application	Other
1995 Q3	Appeal of Treatment of Net Deferred Tax Assets	Accounting Issues	Miscellaneous Safety & Soundness Issues
1995 Q3	Appeal of Composite CAMELS Rating	Composite CAMELS Ratings
1995 Q3	Appeal of Public Comment Section of CRA Report	Consumer Compliance	Community Reinvestment Act
1995 Q3	Appeal of Legal Lending Limit Violation	Miscellaneous Safety & Soundness Issues
1995 Q2	Appeal of Decision on Adequacy of ALLL	Miscellaneous Safety & Soundness Issues
1995 Q1	Appeal of Violation of 12 U.S.C 161	Miscellaneous Safety & Soundness Issues
1994 Q4	Appeal of Policy on Accounting Treatment for Cash Received as Interest on Certain Nonaccrual Loans	Accounting Issues	Miscellaneous Safety & Soundness Issues
1994 Q3	Appeal of Determination That Appraisal Function Lacks Independence	Miscellaneous Safety & Soundness Issues