Question to the group, how does your institution handle the risk assessment for enabling services, such as mobile banking, marketing, etc? Meaning, it is applicable to the entire organization and not product specific? ------------------------------ Nadia ...

Hi Bethany,  We classify Self Storage properties as Non-O/O CRE as the rents are derived from third party's and not the owner/operator. I'd be interested how the self storages made through the 504 program are also reported on the call report? ------------------------------ ...

Bethany, While the SBA considers the loan "owner occupied" from their underwriting perspective, the Call Report instructions are very clear that mini-storage warehouse facilities should be carried in RC-C Item 1.e.(2).  1.e.(2) "Loans secured by other ...