Jeff For Banks

FEBRUARY 6, 2011

The FDIC has nearly quadrupled its enforcement actions (“EA”) over the past three years. There are many Articles in EAs, and the strategic planning article in the above institutions is one of many. Why do many, if not most of these orders contain Articles relating to strategic and capital plans? I would vote no.

Regulation 70

Regulation FDIC National Capital 70

Independent Banker

SEPTEMBER 25, 2014

As a group, community banks spend substantial funds hiring outside consultants to help with various management functions, and a substantial share of dollars are spent to help oversee their risk management and compliance activities. Federal regulators say, not always. Federal regulators say, not always. What prompts outsourcing.

Community Bank 70

Community Bank Compliance Risk Management Community 70

Abrigo

SEPTEMBER 5, 2023

In this article, I'll cover what a credit exception is, recommendations for creating loan/credit exceptions, and tips for developing an exception policy for the financial institution. As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked.

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Policies Lending Risk Management Examples 195

Jeff For Banks

DECEMBER 16, 2022

Communities First Financial Corporation (OTCQX: CFST) Communities First Financial Corporation is the bank holding company for Fresno First Bank , which opened in December 2005 dedicated to meeting the banking needs of businesses, professionals, and successful individuals in Central California. Triumph Bancorp, Inc. Nasdaq: TBK) #4.

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Puerto Rico Virgin Islands Community Community Bank 78

Long Lasting Ideas

MARCH 3, 2016

I’ve written several articles about the future of banking, but it appears the Financial Accounting Standards Board could be putting nails in a few coffins. FASB’s complex proposal (Current Expected Credit Loss, or CECL) would force community banks to record a provision for credit losses the moment they make a loan.

Community Bank 40

Community Bank Marketing Strategies Community Regulation 40

South State Correspondent

APRIL 1, 2023

In this article, we recap the latest data on deposits and banking in order to give you an updated picture. Regulation Last Thursday, the Biden administration released their “ Fact Sheet ” that called on banking regulators to enforce stricter regulations on mid-sized banks, which can be implemented without congressional support.

Regulation 221

Regulation Community Bank Community Capital 221

Jeff For Banks

MAY 16, 2015

The same reason regulators focus on the little things. Executive recruiter Alan Kaplan recently wrote an article for Bank Director magazine titled What Makes Great Boards Great. Today, Board reports closely resemble War and Peace. You mean you didn't see it? That's on you, fella. Sure, there will be some that do. How could they?

Report 60

Report Policies Risk Management Meeting 60

South State Correspondent

MARCH 15, 2023

This article highlights ten not-so-evident lessons of the banking crisis that every banker must consider going forward. Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year.

social media 195

social media FDIC Branding Management 195

Jeff For Banks

JULY 16, 2011

In his most recent blog post titled " Are Bank Examiners to Blame for Slow Job Growth " he refutes bankers assertions that regulators are unnecessarily forcing banks to put loans that are paying as agreed on non-accrual. This would put them in sync with regulators, that are requiring banks to write down loans on expected losses.

Capital 65

Capital FDIC Guidelines Regulation 65

Abrigo

DECEMBER 22, 2023

Abrigo's top risk management articles The risk management blogs banks and credit unions are reading Probability of default, CECL model validation, and CRE risk are hot topics that risk management and accounting professionals will be tracking in the coming months. Key tentative decisions and timelines are shown in this blog.

Risk Management 222

Risk Management Regulation Management Lending 222

Jeff For Banks

JULY 20, 2012

IMCRs When the financial crisis struck, and FIs began to falter, regulators were issuing regulatory orders (supervisory agreements, written agreements, cease & desist orders, and memorandum of understandings, collectively "ROs") faster than my daughters point out that I''m wrong. If you are not familiar with my family, it happens a lot.

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Capital Regulation FDIC Groups 81