Analysis Community Bank FDIC Regulation 
South State Correspondent
APRIL 30, 2024
An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.
South State Correspondent
APRIL 30, 2024
An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.
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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.
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. EAR, Gap Analysis.
Jeff For Banks
MAY 20, 2017
And regulators are getting anxious. and New York Community Bancorp called off their planned merger. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. The OCC did an excellent analysis of the impact of this guidance in 2013. Anxiety, anxiety, anxiety.
Jeff For Banks
FEBRUARY 17, 2021
Yesterday at the ABA's virtual Conference for Community Bankers (CCB), Federal Reserve Governor Michelle Bowman gave a speech, My Perspective on Bank Regulation and Supervision. The Board's framework for banking antitrust analysis hasn't changed substantially over the past couple of decades. Change is coming.
Abrigo
APRIL 21, 2020
Key Takeaways Financial institutions have 10 calendar days to disburse PPP loans To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. How to fund PPP loans.
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