Abrigo

APRIL 23, 2015

A new bill proposed on April 16 aims to increase the exam cycle period for a larger pool of community banks. would make more banks eligible for an 18-month exam cycle as opposed to the norm of a 12-month schedule. If implemented, hundreds of additional banks would be eligible for the longer cycle.

Community Bank 150

Community Bank Community Survey FDIC 150

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. The 2014 Small Business Credit Survey was a joint operation conducted by the Federal Reserve Banks of New York, Atlanta, Cleveland and Philadelphia.

Community Bank 150

Community Bank Community Regional Cleveland 150

Abrigo

SEPTEMBER 22, 2015

By eliminating or revising some of the items that banks must include in their call reports the FFIEC hopes to streamline the reporting and decrease the amount of time spent on them. The article allowed banking executives to weigh in on the subject. Sound is a $500 million institution.

Community Bank 150

Community Bank Community FDIC Survey 150

Abrigo

MARCH 3, 2022

In today’s banking world, community banks are focused sharply on shareholders’ expectations for growth in earnings and return on equity. So, how can community banks support earnings and ROE growth in the face of intense regulatory scrutiny and competitive pressures on profitability? Changing Lending Environment.

Lending 195

Lending Community Marketing Community Bank 195

Abrigo

NOVEMBER 24, 2015

Add FDIC Chairman Martin J. The FDIC said that the percentage of loans and securities with maturities of three or more years hit the highest percentage in the 18 years of data records, rising to 34.6 Community banks have grown their share of longer-term assets even more quickly than the rest of the industry, according to the FDIC.

FDIC 150

FDIC Lending Community Bank Industry 150

Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. The regulator’s April edition of Supervisory Insights provides what the FDIC called a “refresher” on its Pocket Guide for Directors, the 1988 booklet outlining the basic duties and responsibilities of a bank’s board of directors.

Management 150

Management FDIC Risk Management Community Bank 150

Abrigo

AUGUST 3, 2015

The ABA’s 2015 Survey of Bank Compliance Officers , conducted February through March 2015, had participation from more than 450 financial institutions, with almost 80 percent being community banks. A recent Forbes commentary, Dodd-Frank, Community Bank Decline, And The Effect On U.S.

Compliance 150

Compliance Community Bank Community Survey 150

Abrigo

JANUARY 8, 2016

The GAO acknowledged that community banks, credit unions and their professional industry associations reported increased compliance burdens and reduced activity in specific business activities, such as certain mortgage lending, as a result of Dodd-Frank. “For A lengthy report released recently by the U.S.

Regulation 150

Regulation FDIC Survey Community Bank 150

Abrigo

MARCH 17, 2015

According to the latest FDIC Quarterly Banking Profile, community banks continue to thrive and lead the industry. As more banks turn profitable – 90.3 Blog Bank Credit Union' Unfortunately, competing on price alone is not likely to get you far in today’s environment.

How To 150

How To Community Bank Community FDIC 150

Abrigo

JUNE 11, 2021

As recently as May 2021, regulators identified interest rate risk as among the key risks in the economy, financial markets, and the banking industry that could affect insured institutions. The large increase in deposits coupled with decreased loan demand pose interest rate risk challenges for banks,” the Federal Deposit Insurance Corp.

How To 195

How To Risk Management Analysis Kansas City 195

Abrigo

AUGUST 3, 2017

The FDIC paper The Entry, Performance, and Risk Profile of De Novo Banks published in April 2016 reports that the number of de novo bank failures and acquisitions annually has drastically declined since 2010, primarily due to the fact that new bank formations have become nearly inexistent.

Oklahoma City 150

Oklahoma City FDIC Handbook Oklahoma 150

CFPB Monitor

AUGUST 20, 2020

This blog post contains a summary of those efforts. FFIEC : On June 5, 2020, the members of the FFIEC (FDIC, OCC, Federal Reserve Board (“FRB”), CFPB, NCUA and the State Liaison Committee) issued an unprecedented statement on the importance of financial inclusion. banking system.

Regulation 78

Regulation FDIC Community Lending 78

Abrigo

DECEMBER 9, 2014

Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. Blog Bank Credit Union' Loans across categories increased, with commercial and industrial loans growing at the fastest rate, roughly 5.3

Training 170

Training Policies Analysis Community Bank 170

Abrigo

APRIL 21, 2020

Steve Domine, President of Minnesota Community Banking and Senior Vice President of Lending at Stearns Bank, explained during a recent Independent Community Bankers of America (ICBA) webinar that his bank sought both inside and outside counsel to understand the SBA rulings. Asset/Liability. SBA Lending. Learn More.

Lending 195

Lending Capital Minnesota FDIC 195

Long Lasting Ideas

AUGUST 15, 2018

A couple of years back in this blog, we noted with more than a dash of skepticism that the FDIC was trying to make it easier for new banks to test the financial waters.

FDIC 51

FDIC Marketing Strategies Strategy Marketing 51

Celent Banking

JUNE 22, 2017

A historic look at the number of bank branches by asset tier makes this clear. Source: FDIC, Celent analysis. In both community banks and credit unions, the trends have been modestly upward over the past several years. The post Why Branch Building (Sometimes) Makes Sense appeared first on Banking Blog.

Study 125

Study Community Bank Trends Analysis 125

Abrigo

AUGUST 9, 2017

Like First City Bank, financial institutions can use the results of this type of stress testing to understand potential risk migration and to develop better risk rating strategies. Learn more about stress testing methodology by downloading this guide, Actionable Stress Testing Results For Community Banks.

Columbus 150

Columbus Ohio FDIC Strategy 150

Jeff For Banks

DECEMBER 16, 2022

The bank consists of two segments: 1) the traditional community bank, and 2) CCBX, which is its Banking as a Service (BaaS) division started in 2018. Jeff Note: I make no investment recommendations in this article or this blog. million in net income for an ROA of 0.73%. billion of total assets, $36.7

Puerto Rico 78

Puerto Rico Virgin Islands Community Community Bank 78

Jeff For Banks

MARCH 3, 2018

Six years ago I asked in a blog post Will Plain Vanilla Kill Community Banking ? When I wrote that post in January 2011 there were 7,700 FDIC insured financial institutions. In the above blog post, I discussed Apple and Bank of New York Mellon. Did I get caught up in the change-or-die crowd? A 26% decline.

Apple 67

Apple Millennials Massachusetts FDIC 67

Jeff For Banks

MAY 20, 2017

Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. Maybe sub out an economist or two.

Lending 60

Lending Regulation Community Community Bank 60

Jeff For Banks

SEPTEMBER 10, 2011

This blog has dug deep into the numbers to support the notion that bigger is better. Bank of the Ozarks began in 1903 as a small community bank in Jasper, Arkansas, and by 1937, included an additional bank in Ozark, Arkansas. billion bank with a 3.60% ROA year to date. In that, I thought, he has a point.

Arkansas 67

Arkansas South Carolina FDIC North Carolina 67

CFPB Monitor

OCTOBER 13, 2020

We recently published a blog about the OCC’s proposed rule “National Banks and Federal Savings Associations as Lenders” (the “Proposed Rule”), which would clarify that a bank (or savings association) is properly regarded as the “true lender” when, as of the date of origination, it is named as the lender in a loan agreement or funds the loan.

Lending 60

Lending Colorado FDIC National 60

Jeff For Banks

JULY 16, 2011

Take Simon Johnson, former chief economist of the International Monetary Fund, co-author of 13 Bankers , and commentator on the NY Times Economix blog (see photo). Bank equity is the primary buffer against loan losses. The context was bank failure risk is mitigated by FDIC insurance. Certainly equity plays the role.

Capital 67

Capital FDIC Guidelines Regulation 67

Jeff For Banks

DECEMBER 26, 2012

Today the bank has more than 100 offices in seven states. It''s growth since 2010 has been fueled by seven purchases of failed banks. This has led to $863 million of covered loans (loss share arrangements with FDIC), and a yield on such loans of 8.69%, according to its latest investor presentation.

Texas 82

Texas National FDIC Capital 82

Abrigo

MARCH 31, 2017

FDIC officials in March outlined several types of weaknesses in loan underwriting, administration and oversight practices that are emerging at some banks with CRE portfolios. Eberley, director of the FDIC's Division of Risk Management Supervision wrote in the publication.

FDIC 186

FDIC Risk Management Analysis Lending 186

Abrigo

SEPTEMBER 14, 2022

Many community banks and credit unions have typically been exempted from this data collection in the past. FDIC Releases Formal and Informal Enforcement Actions Manual. See the difference. Digital Lending & Credit Automation: Before and After". Keep me informed. C&I Loans. CRE Lending. Credit Risk Management. Learn More.

Lending 195

Lending Data Regulation Community 195

Abrigo

FEBRUARY 16, 2015

A popular opinion, brought to the forefront last week by a Harvard University report , is that these regulations are imposing a significant burden on small financial institutions such as community banks and credit unions. She also added that community banks, specifically, have seen more than 11 percent growth.

Community Bank 150

Community Bank Community Regulation Lending 150