Our bank has over 70 "assessment areas". However, when the OCC does their analysis and prepared the PE, they alway combine the areas, such as full MSAs, all the counties in a certain MSA, or groups of counties that are in close proximity that are non-MSA in a certain state. It seems to me that it would be better for us to combine our assessment areas to mirror the groups that the examiners use on the PE. Does anyone else do that. I am not talking about changing the counties, census tracts,or geographical area. I am talking about the way we group them for reporting and internal analysis purposes. Also, we are due for an exam at the end of this year. Is there any reason we can't go ahead and change them this year? Don't we just need to re-define them when we report? We keep growing and the number of assessment areas is getting out of hand the way we have it now. Please advise.
Opinions do not reflect opinion of employer and cannot be relied upon as advise.