Abrigo

JUNE 11, 2021

Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR). Regulators have repeatedly stressed the importance of sound risk management practices that include the ability to identify and measure interest rate risk. FDIC) noted in its 2021 Risk Review.

How To 195

How To Risk Management Analysis Kansas City 195

Abrigo

JANUARY 29, 2020

Key Takeaways The FDIC issued an advisory to FIs encouraging safe and sound lending practices in today's ag lending environment. FDIC) issued an advisory to financial institutions encouraging exceptionally safe and sound lending practices in agricultural lending. On January 28, the Federal Deposit Insurance Corp.

Lending 195

Lending How To FDIC Survey 195

Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. The regulator’s April edition of Supervisory Insights provides what the FDIC called a “refresher” on its Pocket Guide for Directors, the 1988 booklet outlining the basic duties and responsibilities of a bank’s board of directors.

Management 150

Management FDIC Risk Management Community Bank 150

Abrigo

APRIL 21, 2020

Key Takeaways Financial institutions have 10 calendar days to disburse PPP loans To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. PPP loans carry a 0% risk weighting, meaning they don’t count against the institution from a risk-based capital standpoint. Asset/Liability.

Lending 195

Lending Capital Minnesota FDIC 195

Abrigo

JULY 25, 2017

Ashbaugh’s presentation begins with a quick summary of why regulators care about HVCRE. Leading up the recession and these significant losses, CRE grew in a regulatory environment that “permitted lower capital requirements and did not impose lending caps, merely supervisory limits”. How did we get here?

Risk Management 150

Risk Management Management Capital Lending 150

Abrigo

APRIL 23, 2015

During exams, banks and credit unions often receive varying levels of criticism depending on their location, asset size and federal regulator. Blog Bank Credit Union' OCC guidance on Community Bank Supervision states all national banks must receive a full-scope, on-site exam at least annually.

Community Bank 150

Community Bank Community Survey FDIC 150

Abrigo

AUGUST 8, 2021

Independent Loan Review Systems in Banking Banking regulators have outlined expectations for effective, independent loan review and credit risk review. . This article is substantially updated from a 2013 blog post. Would you like other articles on loan review in your inbox? Identifying Credit Weaknesses.

System 195

System Lending Policies Regulation 195

Jeff For Banks

MAY 20, 2017

And regulators are getting anxious. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending.

Lending 60

Lending Regulation Community Community Bank 60

Abrigo

JUNE 23, 2017

The desire to avoid examiner scrutiny may tempt some financial institutions to set the bar high when it comes to credit and liquidity risk management policy limits, but regulators are discouraging this approach.

Policies 150

Policies Risk Management Survey FDIC 150

Jeff For Banks

JULY 16, 2011

Take Simon Johnson, former chief economist of the International Monetary Fund, co-author of 13 Bankers , and commentator on the NY Times Economix blog (see photo). This would put them in sync with regulators, that are requiring banks to write down loans on expected losses. True for depositors, not shareholders.

Capital 65

Capital FDIC Guidelines Regulation 65

William Mills

SEPTEMBER 9, 2016

William Mills Agency will be live blogging at Finovate Fall 2016. I believe SEC regulations require a company to go public if they have more than 500 shareholders. Customers want self-service capabilities but regulation and risk is top of mind that get in the way of digital interactions. Regulated Financial Institution.

social media 40

social media ATM Mobile Customer Experience 40

Abrigo

AUGUST 3, 2015

The piece also notes that customer service has suffered as a result of higher compliance costs, and community banks face stricter lending standards and capital reserve requirements. But when the approach historically taken by community banks is limited, their competitive advantage also declines.

Compliance 150

Compliance Community Bank Community Survey 150

Jeff For Banks

DECEMBER 16, 2022

Total return includes two components: capital appreciation and dividends. Silvergate Capital Corporation (NYSE: SI) #2. and Puerto Rico banking laws and regulations. I would be remiss not pointing out that the #1 total return bank for 2020 and 2021, Silvergate Capital Corporation, had a five-year total return of 71.6%.

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78

Jeff For Banks

FEBRUARY 3, 2018

In 2013, there were 6,812 FDIC-insured financial institutions. And capital ratios have held steady and strong. In fact, if you listen to some institutional investors, the industry is over-capitalized. And I have never heard a regulator say the phrase "over capitalized". Where are we and where have we been?

Taxes 60

Taxes Regional Industry Trends 60

Jeff For Banks

JULY 31, 2017

Which is very close to the 3-year annual net income growth for all FDIC insured banks. Banks are capital intensive. Risk management and the legions of regulators work in tandem to limit growth. Jeff Note: I make no investment recommendations in my blog. So by the PEG ratio, banks would appear to be over-valued.

Regional 60

Regional FDIC Industry Risk Management 60

CFPB Monitor

JUNE 25, 2020

On May 20, 2020, the OCC issued a final rule to “strengthen and modernize” its existing Community Reinvestment Act (“CRA”) regulations. This is the second in a series of five blog posts about the final rule. Small and intermediate banks must comply with the rule by January 1, 2024.

Community 97

Community Lending Meeting Retail 97

MyBankTracker

JULY 31, 2020

Both the principal value of the certificate and the interest rate are guaranteed by the bank, and fully covered by FDIC insurance for up to $250,000 per depositor, per bank. And since they are issued by banks, they’re also insured by FDIC. Cash-equivalent investments have four primary purposes: Capital preservation.

Taxes 52

Taxes Security Marketing FDIC 52

Jeff For Banks

DECEMBER 23, 2016

But this is a bankers' blog, and I want to remain topical. I believe in compassionate capitalism. Internally, we have been over-reacting to interpretations of regulation, hyper-complying to avoid an audit finding or, shudder, a matter requiring attention (MRA) on our exam. Most readers are accustomed to me being analytical.

Taxes 60

Taxes Meeting Resources FDIC 60