ABA Community Banking

JANUARY 30, 2024

Credit unions are swallowing up tax-paying banks at an alarming rate, using the tax break lawmakers granted them to serve people of modest means. Following a record 16 credit union bank buys announced in 2022, credit unions’ share of total bank purchases hit an all-time high last year.

Taxes 115

Taxes Community Bank Policies Community 115

Independent Banker

MAY 25, 2016

Tax credits for Main Street lending. As a small urban community bank, North Valley Bank is increasingly challenged with heavily government-subsidized competition. In response, ICBA is promoting a new tax policy idea as part of its Plan for Prosperity regulatory-relief legislative package. Chuck Johnston.

Community Bank 70

Community Bank Taxes Lending Maine 70

American Banker

SEPTEMBER 2, 2021

(..)

Community Bank 68

Community Bank Taxes Community Policies 68

Abrigo

NOVEMBER 13, 2015

Given recent news about decreasing ag incomes , combined with increasing demand for ag loans , banks need to evolve in this area of lending. By improving policies and procedures, banks can make better and more profitable ag lending decisions.

Lending 150

Lending Data Analysis Policies 150

Independent Banker

JUNE 30, 2022

But there are ways community banks can help mortgage-seekers get on the property ladder. I don’t think the issue is a lack of financing alternatives,” says Ron Haynie, ICBA’s senior vice president of mortgage finance policy. So how can community banks help? By Beth Mattson-Teig. There is ample supply of credit.

Community Bank 143

Community Bank Community Millennials Resources 143

Jeff For Banks

FEBRUARY 4, 2023

Factors supporting this outlook include the ongoing rollout of COVID-19 vaccines, improving consumer and business confidence, and accommodative monetary policy from the Federal Reserve. Additionally, the implementation of new policies by the government, such as changes to taxes and regulations, could also influence economic outlook.

United States 78

United States US Cyber Security Taxes 78

ABA Community Banking

JANUARY 23, 2020

In an American Banker op-ed today, American Bankers Association Chair Laurie Stewart called attention to the “disturbing trend” of large, tax-exempt credit unions purchasing taxpaying community banks. The post Stewart Op-Ed Highlights ‘Disturbing’ Trend of Credit Unions Buying Banks appeared first on ABA Banking Journal.

Trends 59

Trends Community Bank Taxes Community 59

Independent Banker

AUGUST 31, 2022

Job seekers are in the driver’s seat across most industries, including community banking,” says Lindsay LaNore, group executive vice president and chief learning and experience officer for ICBA. However, community banks have a big opportunity to stand out from the crowd of potential employers.”. Put people first.

How To 91

How To Louisville Community Bank Training 91

Jeff For Banks

MARCH 21, 2024

Interest rates fell to incredible lows, forced there by the Federal Reserve’s rate and bond buying policies. When Fed Funds exceeds inflation, the positive spread between the two creates a “real” rate and indicates tight policy. Dorothy recently retired from Penn Community Bank where she worked since 2004. 4Q) is 3.40%.

Marketing 148

Marketing Policies Report Atlanta 148

Independent Banker

JULY 30, 2015

The Independent Bankers Association of New York State has been actively advocating for several initiatives to enhance community banking and the communities and customers our members serve. These increased burdens and costs have had an impact on the number of community banks.

Community Bank 70

Community Bank New York Community Taxes 70

Independent Banker

JANUARY 26, 2016

The provision will ultimately provide thousands of community banks a reduction in deposit-insurance premiums of up to 30 percent. Without the proposal’s provision protecting most community banks from higher assessments, banks under $10 billion in assets may not have seen any rate decreases until the DIF reserve ratio reached 1.35

FDIC 70

FDIC Community Bank Community Lending 70

ABA Community Banking

FEBRUARY 2, 2023

yesterday introduced the New Markets Tax Credit Extension Act of 2023. Cardin, Daines introduce ABA-backed bill to make NMTC permanent appeared first on ABA Banking Journal. Ben Cardin (D-Md.) and Steve Daines (R-Mont.) The post Sens.

Taxes 52

Taxes Marketing Community Bank Policies 52

ABA Community Banking

FEBRUARY 25, 2020

Given their extraordinary and unnecessary tax benefit, large credit unions should be held accountable for meeting the needs of the very communities they were created to serve in the first place. The post How Large Credit Unions Are Failing to Meet Their Mission, and How Congress Can Fix It appeared first on ABA Banking Journal.

Meeting 98

Meeting Taxes Community Community Bank 98

Independent Banker

JULY 30, 2015

When meeting with our member community banks, the top concern is always the continuing crush of regulatory burden emanating from Washington, D.C. IBAT believes this is ultimately a significant issue not only for community banks and their customers, but also for local economic viability. Property tax lenders.

Data 70

Data Texas Community Bank Taxes 70

Jeff For Banks

MARCH 5, 2021

Shouldn't the CFPB work to address the impediments to starting a bank in LMI markets rather than punish community banks who scrambled to serve their customers when the economy shut down? The most efficient banks in the U.S. That is a fully absorbed number, with support center expenses allocated to it.

Regulation 78

Regulation Indiana Charlotte Community Bank 78

Independent Banker

FEBRUARY 24, 2016

Investment principles of top bank portfolio managers. Community bank institutional investment portfolio managers have been put through their paces the past several years. Yet that is exactly what many community banks have accomplished. By Karen Epper Hoffman.

Community Bank 70

Community Bank Community Texas Management 70

Jeff For Banks

DECEMBER 29, 2015

Bank policy, baked into their teller system. She knew it, and apologized, saying it was bank policy. I said that the bank would have collected those funds way before 13 days. I had year-end tax planning, charitable contributions, and an upcoming holiday trip to fund. My community bank was acquired by it.

Community 60

Community Community Bank Pennsylvania Policies 60

ABA Community Banking

OCTOBER 1, 2019

Heated competition for bank funding is an increasingly important focus for community bank leaders, according to an annual survey released today by the Federal Reserve, the FDIC and the Conference of State Bank Supervisors.

Survey 49

Survey Community FDIC Community Bank 49

Jeff For Banks

NOVEMBER 1, 2017

Fiscal Policy We are not seeing activity from Washington DC. Tax cut and tax reform proposals have been floated. We are at a standstill when it comes to fiscal policy. I believe that tax cuts will spur economic growth, but only if they do not increase government borrowing and the federal deficit.

Marketing 60

Marketing Taxes DC Community Bank 60

Jeff For Banks

APRIL 27, 2019

I admire his business savvy, his wealth of knowledge about the economy and the financial markets, his ability to deal with crisis, and his dedication to making people’s lives better through JP Morgan Chase Bank community initiatives. The impact of the tax cuts has faded. Dimon believes that we will see weak GDP growth this year.

Marketing 60

Marketing Community Taxes Community Bank 60

Independent Banker

SEPTEMBER 22, 2015

There is an exception that will be key for many community banks to understand. Biggert-Waters) the bank was not required under federal or state law to escrow taxes or insurance. for the entire term of the loan and did not have a policy of uniformly and consistently escrowing. taxes and insurance.

Regulation 70

Regulation Policies Community Bank Taxes 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. Policy Development. Housing Policy Task Force, member.

Ohio 70

Ohio Community Bank Community Lending 70

Jeff For Banks

JUNE 2, 2023

Although the Federal Home Loan Bank System was too close to the industry it regulated during the early years of the crisis and its policies greatly contributed to the problem, the Bank Board had been given far too few resources to supervise effectively an industry that was allowed vast new powers.

FDIC 78

FDIC Community Bank Regulation Lending 78

Abrigo

APRIL 22, 2024

Takeaway 2 Several small business lending processes can tax both borrowers and staff. As a share of their total assets, community banks have more business loans below $1 million than larger banks, according to the St. DOWNLOAD Takeaway 1 Financing plays a crucial role in small business survival and success.

Lending 195

Lending St. Louis Community Marketing 195

Independent Banker

FEBRUARY 28, 2022

Community bankers, pack your bags for Washington, D.C. After a year of virtual visits, the ICBA Capital Summit —the most high-profile and powerful community bank advocacy event of the year—is back in person May 1–4. Aaron Stetter ( aaron.stetter@icba.org ) is ICBA’s executive vice president of policy and political operations.

Community 180

Community Washington Community Bank Capital 180

Jeff For Banks

FEBRUARY 1, 2019

Fed policy works with a long lag, so letting the effects of earlier rate hikes catch up would be good. A tightening campaign that started in December, 2015 and has totaled 2.25% has basically offset the boost from tax cuts and the tightening also succeeded in flattening the yield curve. It is actually a good strategy.

Marketing 60

Marketing Community Bank Community Risk Management 60

Jeff For Banks

JULY 8, 2017

Janet Yellen, like Ben Bernanke before her, is using the Phillips curve to shape policy. DJ 07/04/17 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis. OMG- The Phillips Curve!

Marketing 60

Marketing Community Bank Security Data 60

ABA Community Banking

MARCH 14, 2022

Time is running out for the Federal Reserve to make a simple but critical fix to ensure infusions of funds reach disadvantaged communities. The post Without ECIP Fix, Many Eligible CDFIs, MDIs Will Be Left Out of Key Investment Opportunity appeared first on ABA Banking Journal.

Community 88

Community Taxes Community Bank Policies 88

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. 812) and the Community Bank Access to Capital Act (H.R. Washington Policy Summit. By Courtney Schoenborn.

Community Bank 70

Community Bank Community Washington FDIC 70

Independent Banker

DECEMBER 28, 2015

This upcoming year has a lot of good in store for our industry, because ICBA continues to pursue even more successes for community banks nationwide. Few would have thought a highway bill would become the vehicle that would allow multiple community bank regulatory relief provisions to be signed into law by the president.

Community Bank 70

Community Bank Washington Community Ohio 70

ABA Community Banking

JANUARY 31, 2022

The outgoing FDIC chairman discusses bank innovation, FDITech, post-COVID exams and the agency's COVID response in part one of this interview. The post Podcast: Exit Interview with Jelena McWilliams, Part 1 appeared first on ABA Banking Journal.

FDIC 52

FDIC Innovation Taxes Community Bank 52

Abrigo

MARCH 31, 2017

Banks exceeding supervisory criteria for concentrations for total CRE loans or total loans for land acquisition, development and construction currently reflect higher pre-tax return on assets than other institutions, according to the FDIC.

FDIC 186

FDIC Risk Management Analysis Lending 186

Gonzobanker

DECEMBER 17, 2021

Goes to Eric Sprink, Coastal Community Bank , Everett, Wash. Eric has always been a student of innovation, and now at Coastal, this fearless leader has spearheaded a number of high-profile banking-as-a-service partnerships. Since 2017, ROAE has grown from 7% to approximately 20% and ROAA has increased from.82% 82% to over 2.3%

Fintech 148

Fintech Strategy Leadership Lending 148

ABA Community Banking

SEPTEMBER 22, 2021

The fight on Capitol Hill over the Biden administration's controversial tax proposal is likely to go on for another four to six weeks, and the proposal may continue to be raised after that, according to ABA EVP James Ballentine.

Taxes 98

Taxes Report Community Bank Policies 98

ABA Community Banking

MARCH 25, 2020

The post Senate Clears Massive Coronavirus Stimulus to Support Economic Growth appeared first on ABA Banking Journal. The Senate unanimously passed a sweeping $2 trillion stimulus package to provide relief to American consumers and businesses struggling as a result of the coronavirus pandemic.

Community Bank 59

Community Bank Taxes Policies Community 59

ABA Community Banking

AUGUST 26, 2020

The federal banking agencies today finalized several rules originally issued as interim final rules during the spring weeks of the emergency coronavirus response. The post Agencies Finalize Three Rules Issued as Part of Pandemic Response appeared first on ABA Banking Journal.

Community Bank 52

Community Bank Taxes Policies Community 52

ABA Community Banking

MARCH 23, 2020

Meeks, Luetkemeyer Join Chorus for CECL Suspension, Delay appeared first on ABA Banking Journal. In a bipartisan letter, Reps. Gregory Meeks (D-N.Y.) and Blaine Luetkemeyer (R-Mo.) The post Reps.

FDIC 52

FDIC Taxes Community Bank Policies 52