South State Correspondent

MARCH 16, 2022

One element that many commercial banks attempt to differentiate with borrowers is the prepayment provision (or sometimes the lack of one). Many community banks will market their fixed rate loans based on the simplicity of the prepayment provision, and this starts by understanding the value that each provision creates.

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South State Correspondent

JULY 5, 2022

In a stagflation environment, as interest rates rise and cash flow (earnings before interest, taxes, depreciation, and amortization (EBITDA), or net operating income (NOI)) decreases, the borrower’s capacity to service debt as measured by the debt service coverage ratio (DSCR) decreases rapidly. in December 2021).

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Independent Banker

JANUARY 31, 2022

Ken Finley, president of Johnson City Bank, in downtown Johnson City with Shannon Sultemeier, executive vice president (left); and Brenda Haynes, vice president/cashier (right). Here’s how four community banks are thriving in this environment. Photo by Dennis Burnett. By Mindy Charski.

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Independent Banker

JUNE 30, 2022

But there are ways community banks can help mortgage-seekers get on the property ladder. year-over-year increase in the first quarter of 2022, according to the National Association of Realtors (NAR). Burmis, senior vice president and retail lending manager at $450 million-asset Chelsea State Bank in Chelsea, Mich.

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Jeff For Banks

MARCH 21, 2024

Our lives changed forever from this whole experience of the government’s declaration of a national emergency, leading to forced shutdowns of businesses and schools, mandated mask wearing, forcing 6-foot distances between people, travel restrictions, fear mongering with case and death counts, and forced vaccines/boosters. Real GDP was +3.2%

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Jeff For Banks

AUGUST 12, 2018

By the time it was clear to all of us that the economy was being dragged down by the housing and mortgage crisis, the Fed finally lowered rates, but it was too late. This is because the economy has been gaining momentum, however modest, from the tax cuts and deregulation. US Treasury debt now stands at 103.9% since that time.

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Independent Banker

AUGUST 27, 2015

Community National Bank & Trust of Texas. We have a very successful junior college, school district and hospital—the typical things that you would expect to see in a community. Tell us about that. We’ve trained them on what a prospect is, so they recognize that and they refer them to us. Les Leskoven.

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Community Community Bank Texas US 70

Independent Banker

MARCH 15, 2015

It was a prescient move for Hartings and the $450 million-asset community bank, which comfortably weathered the downturn even though residential mortgages are its biggest business line—but not everyone appreciated Hartings’ common-sense approach at the time. “It Jack got us through that just fine. Membership-Marketing.

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Gonzobanker

DECEMBER 17, 2021

Bank Merger of the Year. Some interesting finalists would be: M&T and People’s United Old National and First Midwest Webster and Sterling Columbia Bank and Umpqua. Huntington and TCF merge to create the $170 billion Midwest dynamo and vault them into one of the top 10 banks in the country. The Bank That Gets Fintech.

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Gonzobanker

DECEMBER 19, 2017

One word can summarize this action-packed banking year, GonzoBankers – tiring. This year brought us: Mergers out the yin-yang. Heavy core conversions weighing us down. THE BANKING AWARDS. Rainbolt has quietly built a community bank in the past 20 years that is closing in on $2 billion of market cap.

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South State Correspondent

MAY 1, 2024

With financial hardship, competition from dominant players, and a startup budget, Gentle Monster faced many of the same challenges as a community bank. How Banks Can Leverage: Niche markets abound in banking, and community banks are in the perfect position to create a following on a national level should they desire.

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South State Correspondent

MARCH 15, 2023

Funding Capacity as a % of Uninsured Deposits: Calculating a bank’s total liquidity lines as a percentage of uninsured deposits is now in vogue. The ratio would provide a bank’s current core capital position to risk-adjusted assets. 9) Brand Matters: SVB had one of the best brands in banking.

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Independent Banker

JULY 29, 2016

Around the Table—Wisconsin community bankers work with legislative staff members on Capitol Hill during ICBA’s Washington Policy Summit. Keeping community banking interests front and center. Support those who support us. 812) and the Community Bank Access to Capital Act (H.R. By Courtney Schoenborn.

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South State Correspondent

JUNE 13, 2022

One morning, President Trump tweeted his desire for an additional tax on all foreign-owned companies operating in the US. Instantly, the cash flow for those businesses that many community banks lent to is impacted. Thus, the framework at most banks has these two risks as equal. Consider the risk above.

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Jeff For Banks

APRIL 22, 2018

I’m sure we won’t get much sympathy from places like Chicago, Buffalo, and Erie, but they signed up for winters like this, not us here in Philly. Don’t get me wrong, the US economy is doing well, given the environment and volatility and is expected to outperform Europe and Japan. Gas prices remain below $3.00

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Jeff For Banks

NOVEMBER 16, 2020

The markets believe the chance of tax hikes, repeals of tax cuts, and gigantic initiatives are greatly diminished. Moody’s estimates that there is $70 billion in back rent across the nation. By the way, our economy has done better than all other nations; for example, Europe is 4.3% in the second quarter and -5.0%

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