The Federal Deposit Insurance Corp. issued four consent orders in November, according to its latest monthly roundup of enforcement actions published Monday.

The FDIC ordered Heritage Oaks Bank in Paso Robles, Calif., to establish a compliance system for Bank Secrecy Act and anti-money-laundering regulations. The $1.7 billion-asset bank was further ordered to conduct an annual assessment of BSA-related risks.

International Finance Bank in Miami was directed to tighten its anti-money-laundering controls, too. The FDIC is requiring the $345 million-asset bank to increase its board supervision of BSA compliance activities and to review certain high-risk accounts.

Elkhart State Bank in Elkhart, Texas, was ordered to maintain a Tier 1 leverage capital ratio of at least 9% and a risk-based capital ratio of at least 16%. Moreover, the $53 million-asset bank must review loan accounts exceeding $25,000 and charge off assets designated as a loss.

The State Bank of Burnettsville in Indiana has to beef up capital levels, too. The $48 million-asset bank is being required to maintain a Tier 1 capital ratio of 9% and a total risk-based capital ratio of 12%. Additionally, the FDIC ordered the $8 million-asset bank to reduce its risk position in substandard assets above $100,000, and to implement a loan-grading system.

Consent orders were terminated for the following banks: Grant County Deposit Bank in Williamstown, Ky.; World's Foremost Bank in Sidney, Neb.; Texas Savings Bank in Snyder, Texas; Bank of Palatine in Palatine, Ill.; Highlands Independent Bank in Sebring, Fla.; Community First Bank & Trust in Columbia, Tenn.; Bank of Wrightsville in Wrightsville, Ga.; and First Home Bank in Seminole, Fla.

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