Remove 2009 Remove Community Remove Regulation Remove Risk Management
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Why Diversification Fails at Banks

South State Correspondent

We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify. Community banks are already diversified within their geography and loan categories.

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Why Diversification Fails at Banks

South State Correspondent

We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify. Community banks are already diversified within their geography and loan categories.

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Get your ducks in a row: HVCRE risk management

Abrigo

In a recent Sageworks webinar Robert Ashbaugh, senior risk management consultant at Sageworks, discusses High Volatility Commercial Real Estate (HVCRE) lending best practices. Ashbaugh’s presentation begins with a quick summary of why regulators care about HVCRE. How did we get here? What are HVCRE loans?

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Stressing the importance of stress tests

Abrigo

The reports were positive: all 31 stressed banks “passed,” showing that they are stronger than they have been at any time since the tests began in 2009, the Fed reported. During examination time, regulators are increasingly looking at a bank’s stress testing processes and resulting capital plans. ” Blog Bank'

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Are you a bull or a bear, and how will it impact your planning for 2020 and beyond?

Gonzobanker

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. Risk Management. Regulators are now ramping that back up, and model risk management focused on portfolio risk is going to top the list.

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What's With Regulator Agita Over Bank Commercial Real Estate Lending?

Jeff For Banks

And regulators are getting anxious. and New York Community Bancorp called off their planned merger. Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. Risk mitigants tend to lag growth, especially fast growth.

Lending 60
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The Niche Bank

Jeff For Banks

Me to a community banker: Why don't you offer more options than real estate secured lending to help fund early stage businesses? Banker: Because that's not community banking. I've been in this business over 20 years and still don't know the definition of community banking. Net charge-offs peaked at 2.19% of total loans in 2009.