The Federal Deposit Insurance Corp. took action against six lenders and ended orders against 14 firms in the FDIC's latest monthly roundup of enforcement actions.

Columbia Savings Bank in Cincinnati was issued a prompt corrective action requiring it to increase capital or make plans to sell itself or merge with another company. Regulators classified the bank as significantly undercapitalized in January. Since then, the bank's financial condition has continued to deteriorate, according to the order.

World's Foremost Bank in Sidney, Neb., was ordered to pay $1 million to the Treasury Department and to provide restitution to customers because of its deceptive advertising for credit cards and add-on products. The consent order against the bank also requires it to ensure that its marketing materials clearly and accurately reflect products' terms and conditions and to increase oversight over vendors that provide products or services that the bank offers to clients.

Marathon Savings Bank in Wausau, Wis., was issued a consent order requiring it to increase board oversight, review its top leaders and create a management succession plan, stop making new loans to troubled borrowers, reduce bad assets and manage investment and interest rate risk. Marathon was also ordered to maintain a minimum 9% Tier 1 leverage ratio and a minimum 12% total risk-based capital ratio. The order immediately replaced an earlier one that was terminated March 12.

The West Michigan Savings Bank in Bangor, Mich., was also hit with a consent order over violations of consumer protection and compliance rules. The company was ordered to increase board oversight, hire a full-time compliance officer and an independent compliance consultant and develop a system to manage risk in its third-party relationships.

International Bank of Chicago entered into a consent order that requires it to reduce bad loans and hire a consultant to assess management needs. The company must maintain an 8% Tier 1 leverage ratio and a 12% total risk-based capital ratio.

New Jersey Community Bank in Freehold, N.J., was ordered to address weaknesses in management, asset quality and earnings.

The FDIC also terminated enforcement actions against these 13 firms: The Home Loan Building Co. in Greenfield, Ohio; The First State Bank in Ryan, Okla.; Great Florida Bank in Coral Gables; State Central Bank in Bonaparte, Iowa; Park Cities Bank in Dallas; Oxford Bank & Trust in Oak Brook, Ill.; Mariners Bank in Edgewater, N.J.; West Pointe Bank in Oshkosh, Wis.; The Village Bank in Saint George, Utah; Bank of Las Vegas; Hartford Savings Bank in Connecticut; Finance Factors in Honolulu, Hawaii; and Albina Community Bank in Portland, Ore.

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