In a letter dated May 21, 2010, FDIC Chairman Sheila Bair responded to a letter sent by the Florida Banks Association, which outlined their concerns with the bank supervision process. In the letter, Chairman Bair states that “there has been no change in our process for evaluating capital adequacy, and regulatory minimums remain in force. However, as we have done in the past, individual institutions with asset quality or earnings weaknesses frequently need to hold higher capital levels because of safety-and-soundness considerations. This is a tried-and-true bank management and supervisory imperative for long-term success. It also is important to remember that a great majority of insured institutions have a reasonably healthy balance sheet and adequate capital.”