Abrigo

MAY 30, 2017

One of the biggest obstacles for many community banks and credit unions with aggressive growth goals is staffing. However, growing the staff can be a real challenges for many banks and credit unions. Moreover, many community banks and credit unions are located in more rural areas.

Technology 150

Technology Community Bank Lending Community 150

Abrigo

NOVEMBER 7, 2019

Strategies to lessen the impact of CECL on smaller community banks. Cost-benefit analysis: What is the FASB’s process, and how much of that information is public? Some CECL critics have called upon FASB to undertake a cost-benefit analysis of CECL to address and better understand the financial implications of the standard.

Community Bank 150

Community Bank Community Lending Analysis 150

Abrigo

NOVEMBER 13, 2015

By improving policies and procedures, banks can make better and more profitable ag lending decisions. Banks, in particular, community banks, have often relied on a borrower’s character, one of the 5 Cs of Credit , to make lending decisions. It is important that institutions require this data for a proper credit analysis.

Lending 150

Lending Data Analysis Policies 150

Abrigo

DECEMBER 8, 2016

As community banks and credit unions look toward 2017, many will be focusing on small business lending for loan portfolio growth, according to a recent Sageworks poll. However, small business lending comes with some unique challenges that banks and credit unions will need to address in order to grow their business lending portfolios.

How To 150

How To Lending Community Bank Community 150

Jeff For Banks

JUNE 10, 2022

The client views it as an asset allocation and has a time frame on average about 18 months and doesn't put much importance on the taxes paid. So, as a manager, you can maybe stretch the (investment) time horizon out to 30 months and with a lack of emphasis on taxes, that means (institutional portfolio) churn is a fact of life.

Conference 78

Conference Taxes Strategy Community Bank 78

Gonzobanker

MAY 31, 2019

article , former Small Business Administration administrator Karen Mills said community banks with strong small business customer bases that don’t find new ways to serve them digitally are going to face a “reckoning.” Institutions are “spreading” financial statements for electronically provided tax returns or financial statements.

Lending 136

Lending Community Bank Community Data 136

Jeff For Banks

NOVEMBER 6, 2010

The author is very experienced in bank investment portfolio management. So his insights and analysis were critical to teaching me, and possibly you, about seemingly mundane yet important topics such as tax efficiency, derivatives, and BOLI. It appears as though the majority of his long career has been spent here.

Community Bank 60

Community Bank Strategy Community Report 60

Independent Banker

OCTOBER 1, 2022

By identifying the preferred banking and spending habits of different generations, scammers can tailor how they reach their targets. We look at community banks’ options for fighting this type of crime. By Katie Kuehner-Hebert. The only thing the criminal wants is for the scheme to succeed.”. Rehman Khan, Travelers.

Fraud 133

Fraud social media Millennials Examples 133

Abrigo

FEBRUARY 27, 2020

Many community bankers expect a recession will start by at least mid-2021, according to the most recent Community Bank Sentiment Index. I’m surprised at how inefficient and poorly automated things are,” said David O’Connell, Senior Analyst with research firm Aite Group , after reviewing the survey results.

Lending 243

Lending Survey Data System 243

Independent Banker

FEBRUARY 24, 2016

Investment principles of top bank portfolio managers. Community bank institutional investment portfolio managers have been put through their paces the past several years. Yet that is exactly what many community banks have accomplished. Greg Steverson, Ledyard National Bank. By Karen Epper Hoffman.

Community Bank 70

Community Bank Community Texas Management 70

Jeff For Banks

MAY 20, 2017

To summarize, banking institutions exceeding the concentration levels should have in place enhanced credit risk controls, including stress testing of CRE, and may be subject to further supervisory analysis. The OCC did an excellent analysis of the impact of this guidance in 2013. Whatever that means.

Lending 60

Lending Regulation Community Community Bank 60

Jeff For Banks

MARCH 27, 2015

In 2011, banks paid higher interest on their interest bearing deposits than credit unions throughout the measurement period. When I re-ran the analysis, what was true back in 2011 still holds true (see chart). I searched on banks and credit unions between $500 million and $5 billion in total assets. And the taxes.

Analysis 60

Analysis Strategy Groups Community 60

Jeff For Banks

MARCH 21, 2024

Trillions of dollars of subsidies on “green” BS projects, electric vehicles no one wants, tax credits, debt forgiveness, and free money all fuel demand and contribute to inflation. Dorothy recently retired from Penn Community Bank where she worked since 2004. Real GDP was +3.2% in 4Q23, of which.73%

Marketing 148

Marketing Policies Report Atlanta 148

Jeff For Banks

NOVEMBER 1, 2017

Tax cut and tax reform proposals have been floated. I believe that tax cuts will spur economic growth, but only if they do not increase government borrowing and the federal deficit. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

Marketing 60

Marketing Taxes DC Community Bank 60

Jeff For Banks

APRIL 27, 2019

The impact of the tax cuts has faded. However, don’t count on the usual spending boost from personal tax refunds as they are down by over $6 billion from this time last year. Dorothy has been with Penn Community Bank and its predecessor since November, 2004. I estimated that real GDP growth would be between 2.0%

Marketing 60

Marketing Community Taxes Community Bank 60

Jeff For Banks

AUGUST 12, 2018

This is because the economy has been gaining momentum, however modest, from the tax cuts and deregulation. As well as the economy has been doing from the momentum of tax cuts and reduced regulation, there are always looming issues. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

Marketing 60

Marketing Philadelphia Omaha US 60

Jeff For Banks

OCTOBER 25, 2018

Economic growth picked up strongly in the second quarter, with a reading of +4.2%, as momentum from the tax cuts and deregulation pushed spending and investment higher. Fiscal stimulus in the form of tax cuts, especially for corporations, led to spikes in investment and spending. Economy The economy is on a roll!

Marketing 67

Marketing US Taxes Trends 67

Abrigo

APRIL 22, 2024

Takeaway 2 Several small business lending processes can tax both borrowers and staff. As a share of their total assets, community banks have more business loans below $1 million than larger banks, according to the St. DOWNLOAD Takeaway 1 Financing plays a crucial role in small business survival and success.

Lending 243

Lending St. Louis Community Marketing 243

Jeff For Banks

FEBRUARY 1, 2019

A tightening campaign that started in December, 2015 and has totaled 2.25% has basically offset the boost from tax cuts and the tightening also succeeded in flattening the yield curve. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

Marketing 60

Marketing Community Bank Community Risk Management 60

Jeff For Banks

JULY 8, 2017

The promises included tax cuts to 15% (although a much less dramatic decrease is expected), repeal and replacement of ObamaCare (stalled in the Senate), regulatory reform (some energy rules relaxed, but not much else), infrastructure spending to repair and replace our crumbling structures, roads, airports, electrical grids, etc.

Marketing 60

Marketing Community Bank Security Data 60

ABA Community Banking

APRIL 26, 2022

As banks approach two key asset thresholds—$500 million and especially $1 billion — they must begin preparing for new risks and regulatory expectations. The post Audit committee expectations intensify as assets hit $1 billion appeared first on ABA Banking Journal. Many of them play out in the audit committee.

Risk Management 98

Risk Management Analysis Taxes Community Bank 98

Abrigo

OCTOBER 20, 2016

Technological innovation has enabled FinTech start-ups to compete in a field previously dominated by banks and credit unions. At the same time, early adopters of new technologies, like mega banks, are edging out community banks and credit unions in the fight for customers and creating a rapidly consolidating industry.

Software 150

Software Lending Community Bank Taxes 150

Abrigo

MARCH 31, 2017

Banks exceeding supervisory criteria for concentrations for total CRE loans or total loans for land acquisition, development and construction currently reflect higher pre-tax return on assets than other institutions, according to the FDIC.

FDIC 186

FDIC Risk Management Analysis Lending 186

South State Correspondent

JUNE 13, 2022

One morning, President Trump tweeted his desire for an additional tax on all foreign-owned companies operating in the US. Instantly, the cash flow for those businesses that many community banks lent to is impacted. Banks often map the velocity of risk through a fault tree analysis. Consider the risk above.

Risk Management 195

Risk Management Examples social media Management 195

Jeff For Banks

APRIL 22, 2018

Tax cuts are adding stimulus and leading to improved business and consumer optimism, but there are some offsetting factors in the form of Fed tightening, low productivity, and large levels of debt, especially at the federal government as they fund what could be a $1 trillion plus deficit this fiscal year. Gas prices remain below $3.00

Marketing 60

Marketing Philadelphia social media Taxes 60

Jeff For Banks

FEBRUARY 3, 2017

Corporate and personal tax cuts were promised, with the corporate rate dropping from 35% to 15%. I saw an estimate that 50% of the effect of tax cuts flows through to growth in the first eighteen months. In the early 1980s, the Reagan tax cuts took two years to push GDP growth above 3.0%

Marketing 60

Marketing Taxes Regulation US 60

Jeff For Banks

NOVEMBER 16, 2020

The markets believe the chance of tax hikes, repeals of tax cuts, and gigantic initiatives are greatly diminished. 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 National New York City Taxes 78

Independent Banker

FEBRUARY 16, 2015

Sherrod Brown (D-Ohio), two lawmakers tapped to lead the Senate Banking Committee for their respective parties, are both independent-minded senators who hold positive views on several priority community banking issues. Richard Shelby (R-Ala.) So I would say he’s open to things we are concerned about.”.

Community Bank 70

Community Bank Alabama Ohio Community 70