South State Correspondent

APRIL 10, 2023

CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). The risk here is that community banks continue to take on an above-average amount of CRE credit exposure. This article explores the risk and what to do about it.

Community Bank 195

Community Bank Community Los Angeles Regional 195

Bobsguide

JUNE 8, 2020

As with the 2008 market crash, the coronavirus has brought the issue of exposure management to prominence once again. Recent market volatility has sent shockwaves through the financial community and resurfaced some dark memories that most of us would prefer to forget. When the markets are.

Management 68

Management Community US Marketing 68

Independent Banker

JUNE 30, 2022

Working through any difficulty or crisis at your community bank won’t be a walk in the park, but it may lead to an experience for which you’re truly grateful. As a community banker, you’re either going through a crisis or you’re preparing for one. Manage loan portfolio relationships proactively after the loan is funded.

Community Bank 171

Community Bank Community Lending Training 171

Abrigo

FEBRUARY 2, 2015

The banking industry has seen a steady stream of media attention since 2008, much of it in the form of stories about data breaches linked to major retailers or mega banks’ profits. Two recent surveys addressing the community banking landscape have pointed to increasing regulations as the primary cause of stress for these institutions.

Community Bank 150

Community Bank Community Regulation Survey 150

South State Correspondent

AUGUST 15, 2023

The fear of recession has decreased in 3Q, and the new primary concern shifts back to interest rate risk and deposit cost management. This article provides an update on pricing trends driven by our Loan Command aggregated community bank data and highlights some working pricing ideas. Total industry loans grew 5.1%

Trends 195

Trends Community Bank Community Lending 195

South State Correspondent

JULY 12, 2023

Community bank customers will only have to agree to an irrevocable instant payment, and payment providers will route the payment to the fastest, cheapest, and most stable network. Machine learning financial management tools become more meaningful with increased payment data contained in the messages. Payroll can move to daily payment.

Payments 370

Payments Management Fraud Data 370

South State Correspondent

NOVEMBER 7, 2022

By 2008, there were a variety of failures as a result of liquidity – Bear Sterns, Lehman Brothers, and more. S&P Global estimates that in 2022, AOCI has reduced the tangible equity ratio at community banks (below $10B in assets) by an average of 1.99% (from 10.74% to 8.75%). However, community banks hold approximately 23.5%

Marketing 195

Marketing Community Bank Community Security 195

PYMNTS

FEBRUARY 25, 2020

As the Coronavirus circulates, Temasek Holdings Pte is instituting a company-wide wage freeze and requesting that senior management accept voluntary pay reductions for as long as one year.

Community 130

Community Industry Management Report 130

Abrigo

NOVEMBER 8, 2019

Stress Testing | 7 minute read Key Takeaways Stress testing is an important component of sound risk management. Effective stress testing can benefit many different facets of lending, from risk management and strategic decision-making to capital adequacy and liquidity management. Stress testing and risk management.

Lending 150

Lending Risk Management Analysis Capital 150

Jeff For Banks

AUGUST 3, 2020

It's what we did in 2008-10. Unlike 2008, banks were not the bane of our problems. In 2008, we were in the eye of the storm. Sure, community banks had little to do with liar loans or what was otherwise termed sub-prime. Community banks in particular. So they called around to their community bank.

Community Bank 88

Community Bank Community Capital Analytics 88

Independent Banker

FEBRUARY 28, 2022

What this has to do with community bank investment management may not be readily apparent. The S&P 500 Index dropped 12.4%, which was the worst monthly stock performance since 2008. Belly of the curve matters to community banks. In fact, the tone is about to improve. More often, the two operate independently.

Community Bank 91

Community Bank Community Memphis Security 91

PYMNTS

OCTOBER 1, 2019

While the company will continue to operate in the asset management and general insurance spaces, Reliance shrunk its footprint by lowering its ownership in Reliance Nippon Life Asset Management from about one quarter to just over 4 percent. Last month Bloomberg reported that NBFCs in India have issued $1.5

Capital 109

Capital Lending Regulation Operations 109

PYMNTS

JANUARY 23, 2020

People facing charges include former community bank manager Carrie Tolstedt, former chief administrative officer Hope Hardison and former chief auditor David Julian, the sources told Bloomberg. The incident was among the biggest scandals in the banking industry since the 2008 crisis.

Regulation 131

Regulation Community Bank Community Security 131

South State Correspondent

JUNE 13, 2022

Banks that are looking to enhance their risk management practices should consider incorporating the concept of the velocity of risk into their enterprise-wide risk management practices. In this article, we explore why and how banks are starting to incorporate the “velocity of risk” into their risk management practices.

Risk Management 195

Risk Management Examples social media Management 195

Jeff For Banks

JANUARY 27, 2011

I was at a strategic planning retreat a few weeks back where a colleague lauded the concept of bankers getting back to plain vanilla community banking. But if you read or watch interviews of CEOs of community FIs from 2008 forward, you will be bombarded with the message that they didn''t engage in the things that led to the collapse.

Community Bank 71

Community Bank Community Apple National 71

Independent Banker

JUNE 30, 2022

Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. First Community Bank of the Heartland, Inc.

Community Bank 172

Community Bank Community National Philadelphia 172

Independent Banker

OCTOBER 31, 2021

The CARES Act extended the CECL implementation deadline for many larger community banks until the end of the COVID-19 pandemic. Community bankers tell us that while the extension is welcome, they’re already down the road to implementation. ICBA tells FASB CECL isn’t feasible for community banks. By Stephanie Vozza. April 2011.

Community Bank 91

Community Bank Community Software New York City 91

Abrigo

MARCH 6, 2015

While federal regulators only require this small number of banks to be subject to these particular stress tests, as outlined in the Dodd-Frank Act following the economic crisis of 2008, stress testing is becoming a critical part of financial institutions’ risk management strategies, regardless of their asset sizes.

Risk Management 150

Risk Management Capital Community Bank Regulation 150

PYMNTS

NOVEMBER 13, 2019

Fillz is a division of AbeBooks, a company purchased by Amazon in 2008. Fillz has been part of the AbeBooks community since 2006, so this was a difficult decision to make,” said AbeBooks’ Richard Davies. Fillz, an online tool for booksellers, is shuttering after 16 years, according to reports. AbeBooks acquired Fillz in 2006. “We

Tools 101

Tools Online Resources Community 101

Independent Banker

MAY 2, 2016

Community First Bank & Trust. Community First Bank & Trust had an extraordinary 2015. It was the culmination of efforts over the past four years to recover from the impacts of the downturn in the economy that began in 2008. The largest component of Community First Bank’s earnings in 2015 was a reversal of a $10.6

Community 70

Community Capital Taxes Management 70

PYMNTS

FEBRUARY 9, 2019

According to Intuit General Manager Alex Chriss, cash flow is a life-or-death factor for a company. ” In another statement, Euler Hermes Americas CEO and President James Daly said uncertainties and market risks have their own impact on organizations’ ability to manage cash flow, too. Fifty-two percent of U.S.

Survey 158

Survey Capital Management Taxes 158

Gonzobanker

SEPTEMBER 14, 2016

We consult to the mid-size and community banking space. The bank that didn’t dive into reverse swaps and other Wall Street shenanigans that caused so much pain back in 2008. By the way, don’t think that managers at community banks and credit unions are high-fiving each other because this occurred. They aren’t.

Management 60

Management Community Bank Community US 60

Jeff For Banks

JANUARY 7, 2022

The Death of the Community Bank Pundits make predictions. And I jumped in with both feet with a presentation I made in 2008. Memorial Day: Remember Maurice "Maury" Hukill One thing I have learned about community bankers is they truly appreciate the sacrifices others made that allowed them to pursue a career in community banking.

Community Bank 78

Community Bank Community Strategy Marketing 78

PYMNTS

FEBRUARY 9, 2019

According to Intuit general manager Alex Chriss, cash flow is a life-or-death factor for a company. ” In another statement, Euler Hermes Americas CEO and President James Daly said uncertainties and market risks have their own impact on organizations’ ability to manage cash flow, too. 52 percent of U.S.

Survey 123

Survey Management America Capital 123

Jeff For Banks

JULY 5, 2022

My Remarks to Bank Client's Annual Meeting of Shareholders "I want to thank [Chairman] and the Board, [CEO] and the management team for asking me to come out and remark on where I think the banking industry is going over the next five years. By the way, so is your CEO and much of your management team. Not your chairman. It was needed.

Millennials 78

Millennials Community Pennsylvania Community Bank 78

PYMNTS

JUNE 26, 2018

CPAs [(certified public accountants)] play a key role in the small business community as trusted business advisors,” said AICPA Vice President of Small Firm Interests Carl Peterson in a statement. The SBA and AICPA have been working together since 2008, the entities noted.

Groups 101

Groups National Compliance Lending 101

Abrigo

AUGUST 26, 2015

“… it’s not 2008.”. He went on to comment that since more than 70 percent of the regulatory agency’s operating budget consists of costs surrounding the exam process, “any reasonable suggestion regarding how to better manage the inexorable increase in these costs merits thoughtful reflection.”.

Survey 150

Survey Community National Community Bank 150

Gonzobanker

FEBRUARY 16, 2016

I recommend the following five mandates be on payments managers’ focus list this year: 1. Institutions that don’t have a payments manager should hire one. During the financial crisis in 2008, many financial institutions made the decision to sell their credit card portfolios entirely or convert them to agent relationships.

Management 60

Management Payments Cards Regional 60

Gonzobanker

DECEMBER 19, 2022

2008 called and wants its headlines back. Hats off to Thomas Shara at Lakeland and Tony Labozzetta of Provident for architecting the new $25 billion super-community bank in New Jersey. All of this while knocking out a stellar 1.35% ROA and leading industry, community, and philanthropic efforts everywhere. Goes to Sen.

Community 216

Community Fintech Industry Innovation 216

Ublocal

DECEMBER 22, 2021

In celebration of our new Shelburne Village branch recently opening, we have collected input and insights from the wonderful community of people working and living in Shelburne, Vermont. Vice President, Branch and Business Development Manager : “After more than 27 years in banking it’s good to finally work for a Vermont based bank.

Vermont 52

Vermont Community Charlotte Leadership 52

Gonzobanker

JULY 10, 2020

Community-based institutions have unique circumstances (and personal viewpoints) that impact how they see the world in the future and what planning will look like for them. Now that the PPP frenzy is over, get ahead of your next loan opportunity and start managing your portfolios. Risk Management. Where will you see TDRs emerge?

Risk Management 88

Risk Management Capital Strategy social media 88

Jeff For Banks

JUNE 2, 2023

To you, manage your interest rate risk. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate? In many respects, community banks were caught in the cross-fire through the purchase of those mbs instruments – and subsequent trial through public sentiment.

FDIC 78

FDIC Community Bank Regulation Lending 78

Abrigo

JUNE 19, 2020

The 2008 financial crisis exposed significant weaknesses of relying on incurred losses. Credit Risk Management. 5 Inefficiencies Community FIs Must Resolve to Prepare for Economic Uncertainty. Any guess is better than modeling the average in the next 9-12 months. “A Learn More. C&I Loans. CRE Lending. Loan Pricing.

Lending 195

Lending Training Data Analysis 195

ABA Community Banking

OCTOBER 8, 2018

Have we learned our lesson from the 2008 financial crisis? Technology Feature3 Management Risk Management Risk Adjusted Operational Risk Credit Risk. How do we ensure it doesn’t happen again?

Risk Management 45

Risk Management Operations Management Technology 45

Jeff For Banks

FEBRUARY 4, 2023

Potential bank use cases of generative AI, aside from the questions above: Research on certain industries to help determine credit risk, such as "How did the hotel industry perform in the 2008 recession?"; Vendor management due diligence, such as "Where can I find third-party reviews on the nCino loan operating system?";

United States 78

United States US Cyber Security Taxes 78

Independent Banker

NOVEMBER 25, 2015

Kaarin Long stops by a local manufacturer while getting to know customers as Investors Community Bank’s cash management relationship manager. Cash Management Relationship Manager. Investors Community Bank in Manitowoc, Wis. IB: What is Investors Community Bank like? Banking changed in 2008.

Community 70

Community Community Bank Milwaukee Wisconsin 70

Independent Banker

OCTOBER 29, 2014

Army Infantry Platoon leader who became a community banking manager. It’s no different in community banking. When I returned home from the deployment, the support I had from my community was clear—the same way Think Mutual Bank supports its local community. By Jeff Sabatke. It was 1 a.m. Paul, Minn.,

Minnesota 98

Minnesota Community Community Bank Maine 98