Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists? What changes will 2022 bring?

Community Bank 144

Community Bank Community Lending Louisiana 144

Independent Banker

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

Community Bank 239

Community Bank Community Industry Texas 239

PYMNTS

JANUARY 12, 2020

Bush as the SBA’s deputy administrator, and was supported by the business community to head the SBA as its chief. Her coming on board provides that leadership continuity that’s needed,” said Tom Sullivan, VP of small business policy at the U.S. Even business groups critical of Trump’s tax law expressed support of Carranza.

Leadership 134

Leadership Taxes National Community 134

Abrigo

MARCH 31, 2017

Banks exceeding supervisory criteria for concentrations for total CRE loans or total loans for land acquisition, development and construction currently reflect higher pre-tax return on assets than other institutions, according to the FDIC.

FDIC 186

FDIC Risk Management Analysis Lending 186

PYMNTS

MAY 1, 2019

’s Bank Referral Scheme, part of the government’s array of initiatives to expand access to capital for small businesses, has been marred by controversy and criticism since it first came into effect in late 2016. “This whole policy seems immoral. now, however, thanks to our matchmaking scheme, they have another shot.”

Policies 148

Policies Capital Lending Report 148

PYMNTS

MAY 8, 2020

The poll was conducted by a San Francisco-based advocacy group called Small Business Majority, and its CEO John Arensmeyer has been a proponent of community grants that exist outside of the formal banking system that has controlled government aid up to this point. Policy put into place must target Main Street.

Maine 142

Maine Groups San Francisco Lending 142

PYMNTS

JUNE 16, 2020

Cybercriminals are capitalizing on COVID-19, and they are doing so in tandem with the news cycle,” he said during the virtual hearing. They spoke before the Subcommittee on National Security, International Development, and Monetary Policy Tuesday. Head of Cybersecurity Strategy Tom Kellermann said, testifying before a U.S.

US 227

US Cyber Security Security National 227

PYMNTS

NOVEMBER 6, 2018

Taxes, minimum wage, global trade tariffs — there are a lot of regulatory changes weighing heavily on the minds of U.S. Dr. Jonathan Mordis, PharmD, CPh, VP of business development at Corporate Capital Direct unit Rx Fund Assist , pointed to one of the root causes of cash flow pain for independent pharmacy owners.

Capital 130

Capital Iowa Management Community 130

PYMNTS

FEBRUARY 9, 2019

Intuit found 42 percent of SMBs have experienced cash flow issues in the last year alone, despite tax cuts and other regulatory policies designed to support the small business community. Fifty-two percent of U.S.

Survey 158

Survey Capital Management Taxes 158

Independent Banker

FEBRUARY 24, 2016

Even as nearly one-third of Americans are already members of a credit union, it seems there’s almost nothing the NCUA still won’t try to further expand the market reach and special tax-exempt privileges of the credit unions it supervises. Talk about your captive regulator! When credit unions say “jump,” the NCUA says, “how high?”.

South Dakota 70

South Dakota North Dakota Montana Wyoming 70

Independent Banker

DECEMBER 28, 2015

Happy New Year, fellow community bankers! This upcoming year has a lot of good in store for our industry, because ICBA continues to pursue even more successes for community banks nationwide. We adamantly opposed the idea from the start, but our industry’s concerted efforts have protected many community banks from this bad precedent.

Community Bank 70

Community Bank Washington Community Ohio 70

Abrigo

FEBRUARY 10, 2021

Opportunities in renewable energy are sweeping through the country, especially with the climate change policy of the new administration,” says Robert Veldman, Senior Land and Energy Consultant for KCoe Isom , an accounting and consulting firm specializing in the food and agriculture industry. keep me informed. Watch Webinar. Opportunities.

Lending 195

Lending West Virginia Resources Operations 195

Abrigo

MARCH 22, 2023

Understanding trade-based money laundering Addressing the FinCEN priorities in your AML/CFT policy means knowing what steps to take to prevent trade-based money laundering and terrorism funding. See Part I: Implications for Community Financial Institutions. Would you like others articles like this in your inbox?

Training 195

Training Fraud New Jersey Regulation 195

PYMNTS

JULY 31, 2017

Following the dramatic implementation of demonetization efforts, the nation is now underway with a Goods and Services Tax reform (GST). Further, cash on hand means greater working capital requirements for small business borrowers, while increasing the threat of mishandling, all of which can negatively impact cash flow, Krishnan said.

Taxes 100

Taxes Policies Payments Management 100

PYMNTS

FEBRUARY 9, 2019

Intuit found 42 percent of SMBs say they have experienced cash flow issues in the last year alone despite tax cuts and other regulatory policies designed to support the small business community. 52 percent of U.S.

Survey 123

Survey Management America Capital 123

Ublocal

JUNE 5, 2023

Working capital is the lifeblood of any business, but it can be challenging for small business owners and entrepreneurs to get conventional financing. Pay taxes to the U.S. If requested, you’ll also need to provide your personal tax returns from the past three years. SBA loans were created to fill that gap.

New Hampshire 98

New Hampshire Vermont Resources Taxes 98

PYMNTS

MAY 3, 2017

Bank released this week concluded that revenue increases, planned capital investments and boosted employment levels are all signs of strengthening SMEs across the U.S. Bank’s research follows last week’s data released from Bank of America (BofA) that similarly found rising optimism among the nation’s small business community.

Taxes 100

Taxes America National Survey 100

Independent Banker

JULY 29, 2016

Around the Table—Wisconsin community bankers work with legislative staff members on Capitol Hill during ICBA’s Washington Policy Summit. Keeping community banking interests front and center. 812) and the Community Bank Access to Capital Act (H.R. Washington Policy Summit. By Courtney Schoenborn.

Community Bank 70

Community Bank Community Washington FDIC 70

PYMNTS

AUGUST 7, 2017

Calling the legislation — which put capital and other requirements in place in the aftermath of the 2008 financial crisis — “a great start,” Paul Merski, executive vice president of Congressional relations and strategy at Independent Community Bankers of America, said smaller banks will be able to increase lending activity.

Regulation 100

Regulation Taxes United States Lending 100

Abrigo

FEBRUARY 5, 2021

Even after redoing this certification, borrowers may then still be declined on the same application due to another incorrect validation rule (for instance, an Applicant Tax ID issue),” the letter said. Nobody should fault the SBA for trying to be good custodians of our tax dollars or drive internal efficiencies. mail, Craig said.

Fraud 195

Fraud Lending Taxes Regulation 195

Independent Banker

AUGUST 31, 2022

Job seekers are in the driver’s seat across most industries, including community banking,” says Lindsay LaNore, group executive vice president and chief learning and experience officer for ICBA. However, community banks have a big opportunity to stand out from the crowd of potential employers.”. LaNore believes the rules have changed.

How To 91

How To Louisville Community Bank Training 91

PYMNTS

JANUARY 1, 2021

“The IRS is ready to deal with direct deposit if you have a regular bank account, and they are ready to deal with paper checks, [but] they are not used to dealing with [more] payment methods on a widespread scale,” said Linda Jun , senior policy counsel for the AFP. “I Credit Union.

Trends 259

Trends Video Retail Payments 259

PYMNTS

JULY 15, 2016

The city’s GDP per capital is $54,722. Hong Kong is known for its simple and predictable tax system, making it an attractive place for investment. Before we jump into the post, here are a few quick facts about Hong Kong and its tech scene: . Hong Kong is estimated to have a population of 7.3 Hong Kong has got it going on.

Taxes 100

Taxes Fintech Marketing Regional 100

Independent Banker

FEBRUARY 16, 2015

From opposite political directions, Senators Shelby and Brown stand on point to greatly influence community banking’s agenda in the next Congress. The mix of contrasts and similarities of Shelby’s and Brown’s perspectives and policymaking portend an active session for community banking’s agenda in the new 114th Congress. By Ed Avis.

Community Bank 70

Community Bank Alabama Ohio Community 70

Jeff For Banks

MARCH 5, 2021

Shouldn't the CFPB work to address the impediments to starting a bank in LMI markets rather than punish community banks who scrambled to serve their customers when the economy shut down? According to my firm's profitability peer group, a branch with $74 million in average deposits made a mere pre-tax profit of three basis points.

Regulation 78

Regulation Indiana Charlotte Community Bank 78

Independent Banker

JULY 30, 2015

The Independent Bankers Association of New York State has been actively advocating for several initiatives to enhance community banking and the communities and customers our members serve. These increased burdens and costs have had an impact on the number of community banks.

Community Bank 70

Community Bank New York Community Taxes 70

PYMNTS

MAY 9, 2016

Bank of America, Capital One, Wells Fargo, Chase and more published their findings — sometimes to contradicting conclusions. Chase reached some optimistic conclusions regarding how small business owners feel about the year ahead, while Capital One highlighted a 9 percent decline in SME optimism. Small businesses’ top concern?

America 100

America National Capital Survey 100

Jeff For Banks

FEBRUARY 3, 2017

Bank lending has not been the catalyst it used to be for improved growth in this recovery compared to prior ones; maybe we can point at regulation after regulation being forced onto banks and higher, more restrictive capital requirements. I have news for them; it takes a lot longer for fiscal policy to translate to growth than you think.

Marketing 60

Marketing Taxes Regulation US 60

Gonzobanker

OCTOBER 26, 2021

Cornerstone Advisors estimates $145 billion of pre-tax revenue has disappeared for bankers via margin compression in only the past two years. Yet, bankers must be fully aware that mergers will be viewed not just from a book value accretion lens, but more piercingly through an ESG and social policy lens. Banker in the Middle.

Leadership 97

Leadership Compliance Strategy Branding 97

PYMNTS

JUNE 10, 2016

In an effort to spur job growth, the Brazilian government offered tax and legal incentives for technology companies within Rio. The Cariocas startup community was launched in 2015 and is an example of the startup scene’s maturation, providing a place of support and information for startups in the city. Efficiency Drives Growth.

Trends 100

Trends Community America Study 100

Jeff For Banks

JUNE 2, 2023

Although the Federal Home Loan Bank System was too close to the industry it regulated during the early years of the crisis and its policies greatly contributed to the problem, the Bank Board had been given far too few resources to supervise effectively an industry that was allowed vast new powers. To you, manage your interest rate risk.

FDIC 78

FDIC Community Bank Regulation Lending 78

Vitalik Buterin

APRIL 20, 2018

Third, the economic ideas and challenges that the book brings up are ideas that have also been explored, and will be continue to be explored, at great length by the blockchain community for its own purposes. Harberger taxes. What do Posner and Weyl talk about? See also: “ Property Is Only Another Name for Monopoly ”, Posner and Weyl.

Marketing 76

Marketing Taxes blockchain System 76

Gonzobanker

DECEMBER 17, 2021

Goes to Eric Sprink, Coastal Community Bank , Everett, Wash. Through all this, First Farmers has remained disciplined in performance and squarely focused on customers and community. Like how does that play into our communities? Since 2017, ROAE has grown from 7% to approximately 20% and ROAA has increased from.82% Inspirational?

Fintech 143

Fintech Strategy Leadership Lending 143

PYMNTS

MARCH 12, 2016

million businesses that line the main streets and side streets of the local communities across the U.S. Trade has been a big topic of conversation on the campaign trail, as have debt, taxes, wages, immigration and monetary policy. Can someone please make capital available? 2) Can taxes be made comprehensible?

Taxes 50

Taxes South Carolina New Hampshire Maine 50

Lex Sokolin

JANUARY 14, 2021

If you are a financial advisor or a trust company, you have missed out on $1 trillion in capital appreciation for your customers. And that the capital appreciation that matters?—?cementing Like taxes. It must attract global capital and global talent. Here it is. Don’t get us wrong. The IRS just wants its pound of flesh.

America 52

America Wyoming National Capital 52

Lex Sokolin

JANUARY 14, 2021

If you are a financial advisor or a trust company, you have missed out on $1 trillion in capital appreciation for your customers. And that the capital appreciation that matters?—?cementing Like taxes. It must attract global capital and global talent. Here it is. Don’t get us wrong. The IRS just wants its pound of flesh.

America 52

America Wyoming National Capital 52

PYMNTS

JULY 18, 2016

Those algorithms, theoretically, helped Lending Club underwrite faster and more accurately than traditional lenders, while, at the same time, eliminating “unnecessary” and “overly time-consuming and expensive” elements, like verifying income through pay stubs or tax returns. The partnership will get off the ground in the U.S.

Lending 100

Lending Payments Metro Cards 100