Abrigo

JUNE 11, 2021

Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR). Takeaway 2 Asset/liability management models use earnings or income simulation models and gap analysis to measure short-term IRR. FDIC) noted in its 2021 Risk Review.

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How To Risk Management Analysis Kansas City 195

Abrigo

SEPTEMBER 7, 2023

Having dashboards or banking management reports that show the lending pipeline, pricing trends, emerging risks, workflow bottlenecks, and other factors affecting loan growth can help a bank or credit union stay on top of and adapt quickly to trends. The institution can more easily capitalize on opportunities and avoid unnecessary risk.

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Report Lending Trends Data 195

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. Learn more about the Sageworks Credit Risk Management Solution.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

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How To Community Bank Community FDIC 195

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.

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Management FDIC Community Risk Management 150

Abrigo

MARCH 6, 2015

Thursday also served as a preview for their shareholders of what’s to come next Wednesday, when the Fed announces whether it has approved of each bank’s plans to return some of the reserved capital to shareholders, following the positive results. Stress testing is a critical risk management technique that deserves bolstering.

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Risk Management Capital Community Bank Regulation 150

Abrigo

MARCH 23, 2015

It is only natural for community banks to have loan concentrations that result from the market(s) they serve and the markets they pursue. In today’s times, a high commercial real estate (CRE) concentration is often the result of community banks pursuing opportunity in the market. Blog Bank Credit Union'

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Community Bank Risk Management Community Analysis 150

PYMNTS

FEBRUARY 8, 2019

Growth of FinTech funding seems unstoppable, with the latest analysis from Hampleton Partners finding enterprise financial services and integration, online financial services, enterprise financial software and Software-as-a-Service (SaaS) risk management as some of the hottest spots for investors this year.

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Fintech Capital New York City Analysis 188

Gonzobanker

SEPTEMBER 21, 2023

NYMBUS secured Series D financing (led by Insight Partners), partnered with Hurdlr for small business banking; with Atty Bank, Saint Louis Bank ’s legal community bank; and with Roger, Citizens Bank of Edmond ’s military niche bank. Personal loan and credit card provider Avant secured funding from Ares Management Corporation.

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Fintech Software Illinois Lending 103

Abrigo

AUGUST 5, 2020

Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. The first area Wear recommends bolstering is credit memo content and analysis. To provide better analysis in the credit memo, financial institutions should focus on the “why.” Asset/Liability.

Management 195

Management Risk Management Trends Industry 195

Abrigo

JANUARY 11, 2022

This article kicks off a series intended to highlight how ALM can help financial institutions get the most profitability out of their balance sheets while managing their risk profiles. Each arm represents a different interest of the institution (earnings, growth, capital, liquidity, etc.). keep me informed. Watch Webinar.

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Management Meeting Capital Strategy 195

Abrigo

AUGUST 3, 2017

In order to encourage new bank formation, the FDIC has shortened the number of years de novo banks are subject to de facto capital requirements, among other improvements to make de novo bank formation more appealing. Heightened capital requirements that must be met up front 3. A low interest rate environment 2.

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Oklahoma City FDIC Handbook Oklahoma 150

Abrigo

FEBRUARY 23, 2022

Life-of-loan digitalization also makes it easier for high-salaried lending and credit professionals to focus on loans that require more intense analysis. Portfolio Risk & CECL. Jump-Start Digital Transformation with Change Management. Credit Analysis Training. Credit Risk Management. According to a J.D

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How To Lending Software Survey 195

Abrigo

SEPTEMBER 5, 2023

a significant capital injection into the borrower, or other collateral such as liquid assets). A guarantee generally should be unlimited and continuing. A limited guarantee is acceptable so long as the principals have provided sufficient mitigants (e.g., The lack of a guarantee is considered an exception. Talk to a specialist to learn more.

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Policies Lending Risk Management Examples 195

Abrigo

DECEMBER 2, 2021

Learn how a core deposit analysis helped improve this institution's forecasts. Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. Credit Risk Management. Lending & Credit Risk.

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Conference San Antonio Lending Fraud 195

Abrigo

APRIL 15, 2022

As is the case with effectively managing interest rate risk , managers need to understand their cash flows in and out of the institution to effectively manage liquidity and meet all regulatory requirements. Liquidity risk managers need to ensure that all assumptions are reasonable and appropriate.

Management 195

Management Meeting Risk Management Operations 195

Abrigo

OCTOBER 23, 2015

Portfolio stress tests can provide a number of benefits beyond compliance with regulatory expectations, Behringer said recently at the 2015 Risk Management Summit hosted by Sageworks. How would a stress event impact our aggregate loan portfolio, and, in turn, how does that impact capital?” What does all that do?

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Capital Analysis Examples Risk Management 150

Abrigo

FEBRUARY 27, 2020

They are routinely experiencing processes that add costs, delay turnaround times, and can lead to inconsistency in pricing and risk management. Many community bankers expect a recession will start by at least mid-2021, according to the most recent Community Bank Sentiment Index.

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Lending Survey Data System 243

Abrigo

OCTOBER 9, 2019

Stress testing gives an institution a serious look into their capital and reserves, and if they possess enough of each to remain viable, should a recession hit. Both CECL and stress testing take top-down and bottom-up approaches to test the capital adequacy of a financial institution.

Data 150

Data Exercises Software Tools 150

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. Whatever that means.

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Lending Regulation Community Community Bank 60

Independent Banker

AUGUST 26, 2015

At some community banks, budgeting for technology has become a more important focus over the past several years. Community banks need to be nimble enough to change from their plan when they need to. in Atlanta is one community bank that tries to be more agile with its technology spending. “If By Cheryl Winokur Munk.

Community Bank 70

Community Bank Community Management Maryland 70

CFPB Monitor

OCTOBER 11, 2018

The summit speakers included Grovetta Gardineer, the Senior Deputy Comptroller for Compliance and Community Affairs at the OCC. Comments made by attendees indicated that there is substantial interest in the SPNB charter but a reluctance to be the first applicant due to concerns about litigation risk and regulatory requirements.

Policies 60

Policies Lending Data Online 60

Jeff For Banks

OCTOBER 29, 2016

I recently mentioned to a community bank management team that community financial institutions are slower to close branches because their decision making goes beyond the spreadsheet and market potential. Community bankers know the town mayor, and key business leaders. We over-invest in under-performing branches.

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Training FDIC Community Resources 60

Abrigo

APRIL 22, 2024

Small business lending is also a prominent line of business for many financial institutions, especially those driven by a mission to help their communities thrive. Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets. A majority of applicants sought less than $100,000.

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Lending St. Louis Community Marketing 243

Abrigo

DECEMBER 22, 2023

Takeaway 3 Updates on interest rate forecasting and best practices for managing CRE risk were among the most-read blogs. Abrigo's most popular risk management blogs over the last 12 months cover topics that continue to catch the attention of professionals and regulators.

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Risk Management Regulation Management Lending 221

Jeff For Banks

DECEMBER 8, 2022

The problem is that we are not ready as an economy to turn on a dime away from fossil fuels and businesses are reluctant to make the necessary capital investments to drill for more oil. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

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Marketing Policies Philadelphia Community Bank 78

Jeff For Banks

MARCH 5, 2022

Productivity has been on the rise, with capital investment in technology and machines, and may serve to keep unit labor costs in check and profit margins stable. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

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Marketing Policies Community Bank Community 78

Jeff For Banks

MAY 4, 2020

Readers note: You can also view this post on Penn Community Bank's website. 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. Click here.

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Marketing Philadelphia Community Bank US 78

Abrigo

MARCH 17, 2022

Takeaway 3 Using stress testing scenarios helps banks and credit unions determine whether estimated loss rates will push projected capital levels below regulatory thresholds. Regardless of regulatory pressure, measuring and managing key risks are the cornerstone of community financial institutions’ enterprise risk management (ERM) programs.

Capital 195

Capital Regulation Risk Management Community 195

Jeff For Banks

JANUARY 16, 2016

Between February and November, 2015, foreign capital was pulled out of the country to the tune of $843 billion. Thanks for reading DJ 01/10/16 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.

Community Bank 60

Community Bank Atlanta Data Marketing 60

Lex Sokolin

DECEMBER 31, 2020

and try to answer with the word “community”. a nice, detailed set of thinking on Yearn, the most advanced tech that DeFi has to offer: Mergers and Acquisitions in open-source Decentralized Finance, and its $5 billion market capitalization. The multiverse is interesting because of its communities. They all (i.e.,

Fintech 52

Fintech Bitcoin blockchain Google 52

Lex Sokolin

DECEMBER 31, 2020

and try to answer with the word “community”. a nice, detailed set of thinking on Yearn, the most advanced tech that DeFi has to offer: Mergers and Acquisitions in open-source Decentralized Finance, and its $5 billion market capitalization. The multiverse is interesting because of its communities. They all (i.e.,

Fintech 52

Fintech Bitcoin blockchain Google 52

South State Correspondent

APRIL 3, 2023

Banks often conduct a decay analysis to validate deposit assumptions. Utilizing this straightforward linear regression and decay analysis, you get something close to the profile below for the average community bank in the U.S.: This is a bank’s deposit beta. This reduces the duration of these non-maturity deposits.

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social media Community Bank Analysis Training 195

Abrigo

MARCH 31, 2017

Commercial real estate lending continues to receive regulatory scrutiny and reminders for financial institutions to practice solid risk management. Eberley, director of the FDIC's Division of Risk Management Supervision wrote in the publication.

FDIC 186

FDIC Risk Management Analysis Lending 186

Jeff For Banks

OCTOBER 19, 2012

If I said it once, I said it one thousand times: “My biggest fear is that the Fed is sowing the seeds of the next crisis with their flatter yield curve tricks, leaving many investors holding these low yielding long bonds when rates rise in future years, unable to get out without substantial capital losses.” Thanks for reading.

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National Security US Massachusetts 79

Gonzobanker

MAY 8, 2020

Cornerstone recently completed an earnings stress analysis of the roughly 4,400 banks under $50 billion in assets. 25% 140 banks will have capital levels that have fallen below 8%. Tier 1 capital in the industry has grown by more than 350 basis points since the housing crisis. Benchmark every function and drive excellence.

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Lending Analytics Analysis Capital 114

Lex Sokolin

DECEMBER 25, 2019

This makes me realize how much I miss being able to get into a meaty, quantitative analysis in a well-formatted PowerPoint document. If you withdraw your Ether, you get charged an interest rate determined by an open governance community. Happy holidays, good people!

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blockchain Bitcoin Software Lending 52