Abrigo
JANUARY 24, 2024
Account for the details before your FDIC bank acquisition Consider these tips for assessing your institution and a to-be-acquired institution for a smooth integration You might also like this webinar, "Valuation and purchase accounting: Navigating the changing M&A landscape."
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.
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South State Correspondent
MARCH 15, 2023
It turns out that confidence is more valuable than capital. Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. The ratio would provide a bank’s current core capital position to risk-adjusted assets.
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.
Abrigo
NOVEMBER 29, 2021
Capital One and Fifth Third Bank have launched programs to give customers early access to direct deposits, up to two days. Noninterest income drove 20% of community banks' net operating revenue in 2019, down from 22% in 2012, according to a recent FDIC study. Roadmap for Effective Capital Planning: Start Here. Keep me informed.
Abrigo
DECEMBER 22, 2023
To learn more about the PD/LGD approach and the pros and cons of using it under the Current Expected Credit Loss Model (CECL), download this infographic, CECL Methodologies: Pros and Cons for Your Portfolio , or read about how one financial institution incorporated PD/LGD into its allowance calculation.
Abrigo
MARCH 13, 2023
DOWNLOAD Takeaway 1 Silicon Valley Bank's failure is a stark reminder for other financial institutions that when a crisis occurs, it can spread rapidly. Boy, did that impact capital ratios. It tanked the value of the “liquid investments” and put pressure on their tangible equity capital.
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