Capital FDIC National Risk Management 
South State Correspondent
APRIL 30, 2024
An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise.
South State Correspondent
APRIL 30, 2024
An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise.
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South State Correspondent
AUGUST 21, 2022
Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise. Meet Competitive Pressures: National and larger regional banks are specifically targeting better borrowers for seven, ten, or 20-year fixed-rate loans. This capital ratio is used to assess the possible riskiness of a hedge provider.
CFPB Monitor
NOVEMBER 29, 2021
The Joint Statement also notes that the Agencies will evaluate bank capital and liquidity standards for crypto assets for activities involving U.S. In theory, this potential regulatory clarity sounds promising – but of course, the devil is in the details, and the final product will need to judged according to its actual utility.
Abrigo
MAY 5, 2022
Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Listen to the podcast episode, " How To Sleep Easier at Night About Capital and Risk Levels.". keep me informed. Whitepaper.
Independent Banker
SEPTEMBER 25, 2014
As David Barr, spokesperson for the FDIC, points out, “a vast majority of community banks remain well-rated and exhibit satisfactory corporate governance programs and compliance management systems.”. Be aware of existing or emerging risk concerns. We’re starting to see examiners demanding a capital plan be in place.”.
Jeff For Banks
MAY 20, 2017
To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. Construction concentration criteria : Loans for construction, land, and land development (CLD) represent 100% or more of a banking institution's total risk-based capital.
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