Abrigo

OCTOBER 2, 2014

Following the recent financial crisis, the Basel Committee of Banking Supervision (BCBS) set out to “strengthen global capital and liquidity rules with the goal of promoting a more resilient banking sector.” minimum tier 1 capital ratio and a 3.5% Blog Bank Credit Union' Some requirements, like a 4.5%

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Abrigo

OCTOBER 6, 2017

During a Sageworks webinar on HVCRE risk management Rob Ashbaugh, senior risk management consultant at Sageworks, explained that clarifications on some of the murkier aspects of the HVCRE (high volatility commercial real estate) rule were anticipated by the industry.

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Abrigo

APRIL 21, 2020

PPP loans carry a 0% risk weighting, meaning they don’t count against the institution from a risk-based capital standpoint. Stearns Bank, as well as other bankers on the webinar panel, have concluded that loans made outside of that timeframe are not subject to the same restriction.

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Abrigo

JUNE 11, 2021

Measurement plays an important role in ensuring that interest rate risk doesn’t threaten a financial institution’s earnings and capital. 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.

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Abrigo

FEBRUARY 12, 2020

The main drivers of expected CRE growth in 2020 are: Low interest rates Continued job growth and low unemployment Moderate consumer spending growth Abundant capital and return-seeking investors/lenders, and Increased property values (albeit slowing in appreciation). “2020 could be a pivotal year for the U.S. Watching for CRE red flags.

Lending 195

Lending Trends FDIC Survey 195

Jeff For Banks

AUGUST 3, 2020

I delivered this talk on a recent bank trade association webinar. Capital aplenty. Unlike 2008, banks were not the bane of our problems. Sure, community banks had little to do with liar loans or what was otherwise termed sub-prime. But many banks were, including the nation's largest. Record earnings.

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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. financial institutions, represents a large number of lending and credit professionals familiar with bank and credit union lending and credit processes. Lending & Credit Risk.

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South State Correspondent

APRIL 19, 2023

This is one of the great mysteries of community banking. Almost every community bank touts its commitment to the relationship. Still, only some offer products that serve and are priced to build relationship value for the customer and the bank.

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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

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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.

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Abrigo

MAY 5, 2022

Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. or largely focused on the domestic banking market. So here’s your head start on finding some banking podcasts that might work for you. Check them all out in our Knowledge Center. Whitepaper.

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Abrigo

APRIL 14, 2020

After the Great Recession, financial institutions retained more capital to build in buffers to face uncertain times like this. In short, liquidity was the final straw for many banks that failed, but in most cases, credit risk was the disease that made them sick. Liquidity Risk – A Key Prong in the Banking Supply Chain.

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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. Speaking Out—ICBA Chairman Rebeca Romero Rainey (far left) testified in June before the U.S. By James Kendrick. Concessions stand.

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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.

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Independent Banker

AUGUST 31, 2021

This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award. Exceptional Community Bank Service Award. Kennebec Savings Bank.

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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

NOVEMBER 9, 2022

For community banks specifically, they’re already reserving for a lifetime of credit losses,” he said. Managing capital levels amid credit stress: Advice for credit unions. They’re just doing it through the wrong mechanism. They’re torturing incurred loss to make the outcome a number that would make sense under a CECL regime.”

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Abrigo

APRIL 15, 2022

Financial institutions, regulators, and others consider a few different metrics to measure how much liquidity the bank or credit union has. Here are three: You might also like this webinar, " ALM Basics: Best Practices in Measuring, Monitoring & Controlling Interest Rate Risk ". Asset-based liquidity. keep me informed.

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Management Meeting Risk Management Operations 195

Social Assurance

MAY 7, 2021

Financial banking looked a little different this past year. The COVID-19 pandemic presented community banks with a unique set of challenges – but also opportunities. Necessity forced many institutions to think outside the box and develop innovative approaches to helping their community. Community Banking Re-branding.

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Community Industry Community Bank Branding 15

Abrigo

APRIL 22, 2024

Almost half sought credit to grow their businesses, and 28% applied to make repairs or replace capital assets. While small business loans inherently benefit business owners, they also benefit communities, according to 2021 research for the SBA. At the same time, 59% pursued credit to meet operating expenses. economic ecosystem.

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Lending St. Louis Community Marketing 243

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.

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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

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Abrigo

MARCH 17, 2022

Takeaway 3 Using stress testing scenarios helps banks and credit unions determine whether estimated loss rates will push projected capital levels below regulatory thresholds. Banks and credit unions must be able to adjust when necessary to ensure viability of the institution and the ability to supply capital to their local economy.

Capital 195

Capital Regulation Risk Management Community 195

Abrigo

NOVEMBER 29, 2021

You might also like this webinar: "Is inflation the big gift to your 2022 earnings?". Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Community banks target growth. Types of Noninterest Income. An important source of revenue.

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Community Bank Community FDIC Trends 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.

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social media FDIC Branding Management 195

Social Assurance

JANUARY 11, 2021

Exploring and implementing an eCommerce outlet, and doing so on the world’s largest social platform, is a realistic alternative for them that won’t require substantial capital investments. This is a formidable challenge for community banks. Get these payment discussions going at your organization.

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social media Branding Trends Tools 15

Social Assurance

JANUARY 11, 2021

Exploring and implementing an eCommerce outlet, and doing so on the world’s largest social platform, is a realistic alternative for them that won’t require substantial capital investments. This is a formidable challenge for community banks. Get these payment discussions going at your organization.

social media 15

social media Branding Trends Tools 15

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.

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Regional Mobile Millennials Study 28

South State Correspondent

APRIL 3, 2023

Banks take a pool from 2018, as an example, and then track runoff to the present. Utilizing this straightforward linear regression and decay analysis, you get something close to the profile below for the average community bank in the U.S.: This reduces the duration of these non-maturity deposits.

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social media Community Bank Analysis Training 195

South State Correspondent

OCTOBER 4, 2023

Few banks purchase the keyword, and fewer even produce organic content about the importance of businesses establishing an emergency reserve account funded by six months of operating expenses. With the growing popularity of instant payments, banks with those capabilities have an easy way in.

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Marketing Taxes Training Management 195

Abrigo

MARCH 24, 2021

Growing loans, earnings are banks' top challenges in 2021. The top banking challenges in 2021 are growing loans and earnings, according to Independent Banker’s recent 2021 Community Bank CEO Outlook survey. Capitalize on the momentum you gained during 2020. Top Banking Challenges: Finding Growth in 2021 and Beyond.

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Lending Technology Survey Examples 221

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.

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Community Bank Apple Community Technology 60

Abrigo

APRIL 23, 2020

During a webinar hosted by Abrigo, Walter Lara-Figueroa, a Lender Relations Specialist from the North Carolina District Office of the SBA, said lenders should plan to book loans very soon after President Donald Trump signs the bill approving new funding. Ready, set, E-Tran. I’m sure they’ll have some type of software to track that,” he said.

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PYMNTS

JULY 31, 2018

FinTech : “From 2010 to the third quarter of 2017, more than 3,330 new technology-based firms serving the financial services industry have been founded, 40 percent of which are focused on banking and capital markets,” read the report, issued under Treasury Secretary’s Steven Mnuchin’s name. “In

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