Lenders affected by Hurricane Katrina must have a realistic plan in place for dealing with disaster-related issues in order to avoid formal or informal administrative action, according to bank-examiner guidance issued by federal regulators. The Feb. 3 interagency supervisory guidance warned that examiners’ assessment of Katrina’s effect on banks’ CAMELS component ratings may result in a lower rating for some affected institutions. However, it would be in those lenders’ best interest to show what…