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. With the surge in loans and no pressure on capital ratios, both Domine and Bates expressed approval for the program. Non-bank SBA-approved lenders, however, may not participate in the PPPLF at this time.

Lending 195

Lending Capital Minnesota FDIC 195

Abrigo

SEPTEMBER 5, 2023

As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked. If actual practices vary materially from the written guidelines and procedures, the source of this discrepancy should be identified, and either actual practices or the written policy should be changed.

Policies 195

Policies Lending Risk Management Examples 195

NCR

JUNE 17, 2016

Historically, the financial services sector has been reluctant to embrace digital marketing—or expand into new online domestic and global markets. There’s no mystery as to why: banks must navigate a veritable sea of regulations, including strict guidelines on how to communicate with customers and prospects.

Marketing 40

Marketing Online Branding social media 40

Jeff For Banks

JULY 16, 2011

But this difference in the treatment of loan loss reserves left banks under-reserved and therefore elevated the need for capital to ascend to greater prominence in absorbing losses from loans. The context was bank failure risk is mitigated by FDIC insurance. Banks should have a 30% equity to asset ratio. You read that correctly.

Capital 66

Capital FDIC Guidelines Regulation 66

NCR

NOVEMBER 24, 2016

Historically, the financial services sector has been reluctant to embrace digital marketing – or expand into new online domestic and global markets. There’s no mystery as to why: banks must navigate a veritable sea of regulations, including strict guidelines on how to communicate with customers and prospects.

Online 40

Online Marketing Branding social media 40

Jeff For Banks

MAY 20, 2017

Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. What do your customers demand?

Lending 60

Lending Regulation Community Community Bank 60

Jeff For Banks

MARCH 29, 2014

The Bank offers a wide range of deposit services including demand deposits, regular savings accounts, money market accounts, individual retirement accounts, and certificates of deposit with fixed rates and a range of maturity options. We believe we can effectively compete as a community bank in our market area and the niche markets we serve.

Strategy 101

Strategy Texas San Antonio Fort Worth 101