Independent Banker

JULY 28, 2016

Although they vary by format, the content of the agencies’ guidance includes consistent broad-spectrum elements, which may seem largely theoretical, but their framework can be used effectively to manage regulatory requirements and changes. Just how can your community bank do all of those things? Are we meeting those criteria?

Compliance 70

Compliance Training Community Bank Regulation 70

Jeff For Banks

AUGUST 12, 2018

Economy and Momentum At the end of June, 2018, the current economic expansion turned nine years old. The second quarter of 2018 saw growth of 4.1% (the highest quarterly growth since 2014) and the third quarter may be close. Growth for the entire year of 2018 is expected at 2.8% for the year ending June, 2018.

Marketing 60

Marketing Philadelphia Omaha US 60

Jeff For Banks

OCTOBER 25, 2018

24% at September 30, 2018 compared to.84% US Government debt is at 104% of GDP at the end of the second quarter of 2018 and the ratio is likely higher in the third quarter. Inflation Speaking of inflation… Admittedly, inflation was trending higher early in 2018. The yield curve is much flatter this year than last. for August.

Marketing 66

Marketing US Taxes Trends 66

Jeff For Banks

AUGUST 1, 2019

Think about that for a minute… Leading Indicators & Yield Curves The index of leading economic indicators, which forecasts growth six to nine months from now, has stabilized in the past few months, after a very weak series late in 2018. in 2018 and +3.1% The “LEI” was unchanged in May, after rising by +.1% 1% in April, +.2%

Marketing 60

Marketing US Community Bank Community 60

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Since the financial crisis, noninterest income has transitioned from an important portion of a bank’s revenue to a much smaller piece of the revenue stream. Community banks target growth.

Community Bank 195

Community Bank Community FDIC Trends 195

Jeff For Banks

NOVEMBER 1, 2017

Actually, the forecast for 2018 to 2020 is also 2%. All of this is happening while the markets widely expect the President to nominate a new Federal Reserve Chair to replace Janet Yellen, whose term as Chair ends in February, 2018. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

Marketing 60

Marketing Taxes DC Community Bank 60

Jeff For Banks

NOVEMBER 7, 2016

10/24/16 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis. Dorothy has been with Penn Community Bank and its predecessor since November, 2004. Or is it that I agree with them?

Tools 60

Tools Community Bank Risk Management Community 60

Jeff For Banks

JULY 8, 2017

Incidentally, Chair Janet Yellen’s term at the Fed expires in February, 2018. DJ 07/04/17 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis.

Marketing 60

Marketing Community Bank Security Data 60

South State Correspondent

APRIL 3, 2023

A static pool of deposits is analyzed to see how long they remain on a bank’s balance sheet over time. Banks take a pool from 2018, as an example, and then track runoff to the present. Banks have the option to adjust interest rates, while customers have the option to withdraw funds.

social media 195

social media Community Bank Analysis Training 195

Jeff For Banks

AUGUST 24, 2022

Since 2018, the Large Hadron Collider, or “LHC,” was down for maintenance and upgrades so that particles could smash at 6.8 Jaworski 08/17/22 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis.

Marketing 78

Marketing US Community Bank Study 78

Jeff For Banks

APRIL 22, 2018

Now, if Mother Nature would cooperate… Volatility The markets have been incredibly volatile in the first quarter of 2018. Welcome to 2018! During March, 2018, Powell and the Fed increased rates by.25% Businesses should do well as they bask in the lower corporate tax rate, which fell from 35% to 21% at the beginning of 2018.

Marketing 60

Marketing Philadelphia social media Taxes 60

Jeff For Banks

FEBRUARY 3, 2017

and 2018 at 1.8% Dr. Ratajczak has 2018 at 2.9%. DJ 01/18/17 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis. That is no better than the 2.3% since 2009. since 2009.

Marketing 60

Marketing Taxes Regulation US 60

Jeff For Banks

NOVEMBER 16, 2020

So now they are prioritizing full employment and will switch to “AIT,” or average inflation targeting, allowing the inflation rate to exceed their target for a period of time, rather than raising rates as they did from 2015 to 2018 chasing inflation that never materialized. Our area did not escape the devastation.

Marketing 78

Marketing National New York City Taxes 78

CFPB Monitor

JULY 5, 2022

Starting in 2018, the OCC has made substantive changes to its annual screening and selection processes for fair lending examinations at smaller banks. These changes contributed to fewer annual fair lending examinations and deficiency findings leading to matters requiring attention at smaller banks.

Lending 78

Lending Report Policies Handbook 78