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. PPP loans carry a 0% risk weighting, meaning they don’t count against the institution from a risk-based capital standpoint.

Lending 195

Lending Capital Minnesota FDIC 195

South State Correspondent

APRIL 19, 2023

Focusing on uninsured deposit performance is a hot topic among investors, analysts, and regulators. While every bank is now tracking the general metric, only a few banks monitor deposit performance in the category. This is one of the great mysteries of community banking.

How To 195

How To Examples Resources Community Bank 195

Abrigo

APRIL 12, 2016

Nevertheless, the Supervisory Insights publication “incorporates more recent guidance and technical resources, including significant bank-governance insights and experiences that have been gained since 1988.” Having a solid understanding involves more than simply reviewing the bank’s financial condition as of today.

Management 150

Management FDIC Risk Management Community Bank 150

Independent Banker

JULY 28, 2016

Senate Banking Committee. She explained why lawmakers should exempt community banks from Basel III capital rule. Community bankers score big changes in final credit-loss standard. To their credit, federal regulators have already showed they are on board with the approach laid out in FASB’s final standard.

Community Bank 70

Community Bank Community Connecticut Regulation 70

Abrigo

NOVEMBER 9, 2022

For community banks specifically, they’re already reserving for a lifetime of credit losses,” he said. Use a software tool [and] ensure your auditors and regulators are in the loop on progress.” This year’s Abrigo CECL implementation survey shows that banks and credit unions are generally on track for implementation.

Survey 195

Survey Software Resources Meeting 195

Abrigo

SEPTEMBER 7, 2023

Adapt to a dynamic banking environment with real-time lending & credit data Lender dashboards and reports showing the lending pipeline, pricing trends, emerging risks, workflow bottlenecks, etc. You might also like this on-demand webinar, "Identifying emerging CRE risks." help financial institutions adapt quickly to trends.

Report 195

Report Lending Trends Data 195

Abrigo

AUGUST 5, 2020

The main factors institutions use to determine the total loan grade are debt service coverage/capacity (97.7%) and leverage/collateral coverage (85.6%), according to an informal poll conducted during the second webinar in the credit risk series. Capital Assessment, Capital Planning Are Critical as Coronavirus Creates Chaos.

Management 195

Management Risk Management Trends Industry 195

Abrigo

APRIL 15, 2022

Regulators expect that for institutions to maintain adequate levels of liquidity, banks and credit unions must be able to meet both expected and unexpected cash flow and collateral needs without adversely affecting daily operations or financial performance. Watch the webinar, "Liquidity Risk: A Key Prong in the Banking Supply Chain" .

Management 195

Management Meeting Risk Management Operations 195

Abrigo

OCTOBER 23, 2015

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?” How would a stress event impact our aggregate loan portfolio, and, in turn, how does that impact capital?”

Capital 150

Capital Analysis Examples Risk Management 150

Abrigo

APRIL 7, 2022

Experts answer CECL questions from 2023 adopters Participants in Abrigo's CECL Kickstart webinars asked consultants their questions leading up to the 2023 CECL implementation date. Takeaway 1 Financial institutions brought practical questions to Abrigo consultants during the CECL Kickstart webinar. . Watch Webinar/Download.

Policies 195

Policies Data Examples Lending 195

Abrigo

MARCH 17, 2022

The Stress Test Scenarios for Big Banks Are Useful for Smaller Institutions' Own Tests Banking regulators recently released the 2022 scenarios for upcoming stress tests by the biggest banks. But small banks and credit unions can benefit from the stress test scenarios, too. Related Subhead.

Capital 195

Capital Regulation Risk Management Community 195

South State Correspondent

MARCH 15, 2023

It turns out that confidence is more valuable than capital. While we wrote about the root cause of the failure of Silicon Valley Bank (SVB) HERE , the lessons of the current banking crisis go beyond interest rate risk management. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

social media 195

social media FDIC Branding Management 195

Abrigo

MARCH 13, 2023

Looking back to the Great Recession, I recall the banks that made Jumbo Alt-A mortgages that woke up one morning to the realization that their one conduit to sell these loans (Countrywide Mortgage) was now gone, and they were then stuck holding loans that ballooned the total assets of the bank. Boy, did that impact capital ratios.

Strategy 195

Strategy Lending Security Analysis 195

Tech and Finance

JULY 13, 2016

Regional and mid-tier banks face an uphill battle on the digital front, but have advantages they can capitalize on with some focus and determination. Alarm bells are sounding in boardrooms of regional and mid-tier banks across the U.S. The big banks’ advantage in technology is not new. Or at least they should be.

Regional 28

Regional Mobile Millennials Study 28

Gonzobanker

DECEMBER 22, 2015

Community bank marketing resources. With market opportunity heating up and big bank and big credit union competitors hitting hard, too many community banks lack marketing resources … or they have 2X more spending in sponsorships than the campaigns, analytics and digital sales improvements that actually bring in new business.

Community Bank 60

Community Bank Apple Community Technology 60

Abrigo

APRIL 23, 2020

Key Takeaways Regulators and industry officials provided insight for lenders entering the second round of funding for the Paycheck Protection Program (PPP). Lara-Figueroa said during the Abrigo webinar that he anticipates the SBA will be able to monitor the amounts going to various sizes of institutions as the loans are approved.

Lending 221

Lending Los Angeles North Carolina Community 221

PYMNTS

JULY 31, 2018

Loosening federal regulations, enacting national data breach protections and drafting “model laws” at the state level to reduce overlapping red tape, could help promote FinTech in the United States, according to report released Tuesday (July 31) by the U.S. Treasury Department. The report arrives at a time of growing optimism for U.S.

Fintech 194

Fintech Security US United States 194