2013 Community Lending Risk Management 
Abrigo
NOVEMBER 21, 2014
Now that banks have filed their third quarter financial reports , what did the lending picture look like last quarter? banks is up $157 billion from the same period in 2013. However, Q3 commercial lending is down from the beginning of 2014 (quarter ending 3/31/2014) by about $67 billion. Nationally, the picture is a fine one.
Abrigo
FEBRUARY 2, 2015
For most consumers who have a checking account, savings account and maybe a mortgage, the regulations placed on their community bank isn’t given a second thought. Two recent surveys addressing the community banking landscape have pointed to increasing regulations as the primary cause of stress for these institutions.
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Abrigo
MAY 5, 2022
Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S.
Abrigo
NOVEMBER 11, 2019
An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance. Community financial institutions are familiar with utilizing their asset/liability management solutions to limit the risk of rising interest rates.
Jeff For Banks
MAY 20, 2017
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. The OCC did an excellent analysis of the impact of this guidance in 2013. The below two charts tell a story.
Independent Banker
MAY 24, 2016
This leaves federal crop insurance support as a key risk-management tool. However, the farm community already is being forced to defend even this scaled-back safety net. It’s a crucial risk-management tool” for 1.7 million farms and the community banks that lend to them each growing season, Scanlan points out.
Abrigo
OCTOBER 9, 2019
Charge offs were close to zero for most banks since 2013, according to call report data from S&P Market Intelligence. Regulatory communities and auditors want to see that CECL and stress testing remain as consistent as possible across the organization. Portfolio Risk & CECL. Credit Risk. Portfolio Risk & CECL.
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