Community FDIC Policies Taxes 
Abrigo
SEPTEMBER 5, 2023
When and how to cite credit exceptions A policy on credit exceptions can address many factors that can lead financial institutions to diverge from loan policy and miss signs of potential trouble. Takeaway 3 A credit exception policy should spell out what one is, when it can be used, and how to clear it.
Independent Banker
JANUARY 26, 2016
The FDIC has released a proposal to indemnify the banks with assets less than $10 billion from the costs of raising the Deposit Insurance Fund reserve ratio from 1.15 The provision will ultimately provide thousands of community banks a reduction in deposit-insurance premiums of up to 30 percent. percent to 1.35 ICBA Member Poll.
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ABA Community Banking
OCTOBER 1, 2019
Heated competition for bank funding is an increasingly important focus for community bank leaders, according to an annual survey released today by the Federal Reserve, the FDIC and the Conference of State Bank Supervisors. The post Survey Finds Cost of Funds Top of Mind for Community Bankers appeared first on ABA Banking Journal.
Abrigo
DECEMBER 9, 2014
Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. In order to grow significantly, however, a bank may choose to expand its reach into businesses and neighborhoods outside the community - their “comfort zone.”
ABA Community Banking
JANUARY 31, 2022
The outgoing FDIC chairman discusses bank innovation, FDITech, post-COVID exams and the agency's COVID response in part one of this interview. The post Podcast: Exit Interview with Jelena McWilliams, Part 1 appeared first on ABA Banking Journal.
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. We took a serious reputational hit.
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.
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