South State Correspondent

JULY 5, 2022

In a stagflation environment, as interest rates rise and cash flow (earnings before interest, taxes, depreciation, and amortization (EBITDA), or net operating income (NOI)) decreases, the borrower’s capacity to service debt as measured by the debt service coverage ratio (DSCR) decreases rapidly. in December 2021).

Management 195

Management Capital US Community Bank 195

Abrigo

JUNE 25, 2015

During leaner years is often when the demand for ag loans increases , as it’s common for those full-time farmers to tap into their community bank to cover operating costs or invest is other lines of the agricultural business. Headquartered in Madison, Wisconsin, the non-traditional bank held more than $1.6

Community Bank 150

Community Bank Sacramento Lending Wisconsin 150

Independent Banker

SEPTEMBER 1, 2016

Independent Banker ® magazine recognizes three community banks who have conducted creative, engaging and impactful social media campaigns. This year’s panel of judges evaluated social media campaigns submitted from several community banks across the country before selecting those that received final recognition.

social media 96

social media Community Community Bank Michigan 96

Abrigo

JUNE 5, 2015

The piece, titled “Why Banks Should Stop Fighting and Learn To Love Regulators,” suggests that while institutions of all sizes are grappling with increased scrutiny and regulation, the reality is that it is here to stay following the financial crisis.

Risk Management 150

Risk Management Community Bank Regulation Survey 150

CFPB Monitor

OCTOBER 9, 2018

regulatory agencies—the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the U.S. The Statement elaborates on three, non-exhaustive examples of appropriate resources to share.

Resources 68

Resources Compliance Community Bank Community 68

Abrigo

JULY 15, 2015

Whether using a national bank, regional bank, community bank or credit union, there are numerous cards that can help your client leverage their credit to create capital. Equity, in the first few years of operation, can be beneficial in establishing the base of your clients’ operations.

Management 150

Management Resources Capital Taxes 150

Abrigo

AUGUST 26, 2015

This is the sentiment of several high-profile executives regarding the National Credit Union Administration’s (NCUA) stance on examination cycles for credit unions. The longer interval is on the table for banks as well. “… it’s not 2008.”. This followed further transparency of the NCUA’s budget, which noted $6.39

Survey 150

Survey Community National Community Bank 150

Gonzobanker

DECEMBER 22, 2020

Banks and credit unions had to fundamentally change their delivery, support and relationship management models at scopes and speeds that were unheard of. And how did community banks and credit unions respond to the COVID craziness? Jill is continually demonstrating just how loud a $300 million community bank can roar!

Idaho 181

Idaho Community Industry Strategy 181

Jeff For Banks

MARCH 3, 2018

Six years ago I asked in a blog post Will Plain Vanilla Kill Community Banking ? They can be a strategic shift of your franchise, a new product line, or a new operating environment. In the above blog post, I discussed Apple and Bank of New York Mellon. Leader Bank - A $1.2 Was I, gulp, a futurist?

Apple 66

Apple Millennials Massachusetts FDIC 66

Abrigo

JUNE 16, 2016

The Independent Community Bankers of America (ICBA) said it was pleased with the consideration given to community banks’ views in the review process. But the National Association of Federal Credit Unions expressed disappointment that an updated draft wasn’t issued for public comment before the FASB finalized the standard.

Resources 150

Resources Exercises Lending Community 150

Jeff For Banks

DECEMBER 7, 2019

It is the Mountlake Terrace, Washington holding company for 1st Security Bank, a $1.7 billion in assets community bank with 22 branches that encircle the Seattle Sound. It is the $888 million holding company for Plumas Bank. The bank operates thirteen branches, eleven in northern California and two in Nevada.

Indiana 78

Indiana Oregon South Dakota Community Bank 78

Jeff For Banks

DECEMBER 26, 2012

In its latest investor presentation, BofI highlighted it''s expense ratio (operating expense as a percent of average assets) compared to peer as 1.67% versus 3.17%, respectively, and efficiency ratio (operating expense as a percent of total revenue) compared to peer as 35% versus 63%, respectively. Well done! #3. Coincidence?

Texas 79

Texas National FDIC Capital 79

Abrigo

OCTOBER 23, 2015

Behringer, McGladrey’s national leader for credit risk services. How does a negative change in capitalization rates on multi-family or non-owner occupied commercial real estate impact net operating income for our borrowers?” Stress testing, Behringer said, “is a way to hopefully help you identify those” borrowers for the future.

Capital 150

Capital Analysis Examples Risk Management 150

Jeff For Banks

DECEMBER 22, 2013

Bank of the Ozarks, Inc. #3. Access National Corporation #4. It supports the claim by highlighting its efficiency ratio compared to peer banks (38.7% versus 68.5%, respectively) and its operating expenses as a percent of average assets compared to peer banks (1.66% versus 3.09%, respectively).So,

Community Bank 86

Community Bank Atlanta Community Strategy 86

Abrigo

JULY 30, 2015

What is the impact to the bank? In addition, institutions – especially community banks -- have operational concerns, McNairy added. “Do That is the primary concern for the financial institution,” he said in a recent interview. Will I still be in compliance with capital ratios?

Data 150

Data Community Bank Capital Compliance 150

Jeff For Banks

DECEMBER 18, 2014

A summary of the banks, their strategies, and links to their website are below. #1. Open Bank (OTCQB: OPBK) Open Bank commenced operations in 2005 as First Standard Bank in the Koreatown section of Los Angeles. They are built as a relationship bank serving the Korean community in LA and surrounding areas.

North Dakota 91

North Dakota Arizona Minnesota Los Angeles 91

South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. That, in turn, reduces deposits at banks by the same amount.

Community Bank 195

Community Bank Community Industry Online 195

Abrigo

NOVEMBER 14, 2014

The top 10 banks on American Banker’s list are featured below. It is of interest to note that many may be considered smaller, community banks. Live Oak Bank. Take, for example, Live Oak Bank in Wilmington, NC, which has the top spot on the list. 1st National Bank. Blog Bank'

Nashville 170

Nashville Wisconsin Tennessee National 170

Jeff For Banks

DECEMBER 12, 2016

A summary of the banks, their stories, and links to their website are below. #1. Independent Bank Corporation (Nasdaq: IBCP) Independent Bank dates back to 1864 as the First National Bank of Iona. The mortgage bank has more than 3x the employees of the bank. Annual operating expenses were $36.6

North Dakota 60

North Dakota Minnesota West Virginia Arizona 60

Jeff For Banks

DECEMBER 12, 2017

Nasdaq: OSBC) Old Second is a single-bank holding company headquartered in Aurora, Illinois. billion of assets and operates twenty five branches in the western suburbs of Chicago. The Bank, Old Second National Bank, lost a whopping $156 million in 2009 and 2010. Summit also operates an insurance subsidiary.

Minnesota 60

Minnesota West Virginia Virginia Iowa 60

Abrigo

JULY 23, 2021

It is a concept that we have all heard of, however, the concept remains somewhat of a mystery in the community bank world. The North Korean government has been also found to have used chemical weapons against its own nationals. In early 2019 Syria used chlorine gas against its own nationals. Continuing education.

National 195

National Training United States Regulation 195

Abrigo

APRIL 18, 2020

“While we can make no promises about when or if this might come to fruition, we encourage you to continue applying online,” says the website of Main Street Bank in Marlborough, Massachusetts. John Ramage, President and CEO of First National Bank of Brundidge, said he expects that whatever money Congress approves will go quickly.

Lending 195

Lending Wyoming Maine Nebraska 195