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Deposits, Deposits, Wherefore Art Thou? Juliet’s banker. 

Perficient

On May 31, the Federal Deposit Insurance Corporation (FDIC) reported to the public what many banks already knew and had been experiencing for the past year – that deposits are declining in the American banking sector. Positives (Or Less Negative Than Before) Unrealized losses on held-to-maturity securities totaled $284.0

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Top 10 Crypto scams to look for in 2023

Abrigo

"The events of the past year have been marked by significant volatility and the exposure of vulnerabilities in the crypto-asset sector," read a joint statement from the Federal Reserve, FDIC, and the OCC. Securities and Exchange Commission (SEC) governs crypto assets that could be considered securities.

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The Current Banking Crisis – 10 Not So Apparent Lessons

South State Correspondent

Now, customers and analysts will pay more attention to Loans + Securities-to deposit ratio. Instead of just looking at LTD, investors, and depositors, will now look at loan plus securities to total deposits. Higher cash holdings will now be a demarcation of credit quality. These inflows help mitigate a run-in-progress.

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AI fraud challenges: How to guard against losses

Abrigo

Here are several suggestions for tightening security. Takeaway 2 Improving security questions is a good step to take to avoid text-to-speech AI fraud schemes. Public social media sources have made it easier for fraudsters to obtain information by looking at what people post online.

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Silicon Valley Bank Failure – Lessons in Interest Rate Risk Management

South State Correspondent

On the liability side of SVB’s $173B in deposits at the end of 2022, approximately 97% were uninsured and above the $250k in FDIC protection threshold. Equally important is the bank’s securities duration, as shown in the graph below. Approximately 56% of the bank’s securities had repricing greater than 15 years.

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SEC Halts Texas Financial Firm’s ‘Illegal’ ICO

PYMNTS

In an effort to stop an “illegal offering of securities,” the U.S. Securities and Exchange Commission (SEC) has filed a complaint against a Dallas-based financial firm seeking to launch what might be the largest initial coin offering (ICO) in history. must comply with federal securities laws.

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Expanding Your Loan Trading Network: 4 Lessons from Apple

Jack Henry

When considering expanding your network for loan selling and trading, having strong partnerships provides an extra level of trust and security ‒ especially when you know your partner has already vetted the other party, as well. Like Apple, the Jack Henry™ ecosystem allows for extensive networking opportunities.

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