Capital and Risk, Macroeconomic
July 13, 2022
Via: American BankerSmall-bank executives overwhelmingly think the U.S. economy will fall into a recession by 2023. In an online survey conducted June 21-30, a whopping 96% of community bank leaders said they expect an economic decline to strike by the end of […]
October 26, 2021
Via: FinTech FuturesCompetition in the banking sector has heated up over the past year as a result of the COVID-19 pandemic accelerating the shift to digital services. But, as businesses and local communities re-engage with more in-person interactions, community financial institutions (CFIs) […]
April 5, 2018
Via: Banking ExchangeHow times have changed! Back in 2010, the horse was already out of the barn with respect to liquidity risk. As such, the expansion of liquidity management expectations set in “Interagency Statement on Funding and Liquidity Risk Management” was a […]
January 12, 2018
Via: Banking ExchangeServing on a bank board in the U.S. has never been a low-risk proposition. But now, after Wells Fargo’s sales practices consent orders, enforcement actions, civil money penalties, and subsequent investigations, the responsibilities of a bank board member have come […]
August 22, 2017
Via: Banking ExchangeFor Bank of the Ozarks Chairman and CEO George Gleason II, the administrative, regulatory, and accounting costs of operating a bank holding company, or BHC, simply outweighed the benefits. “If you own a lake house but you never go there […]
July 9, 2017
Via: Banking ExchangeThe cover of Tompkins Financial’s annual report bears the slogan, “Locally focused; A world of possibilities.” And that was part of the $6.2 billion-assets company’s thinking when it adopted an web-based commercial loan application system earlier this year that it […]
May 23, 2017
Via: Banking ExchangeIt’s time to accept the reality that deposit costs are likely to increase. The questions at hand are: • How quickly will this increase play out? • How will net interest margin performance be impacted? Prelude to general rate hikes […]
May 22, 2017
Via: Banking ExchangeEven as rates increased over the last 18 months, deposit costs have only moved modestly higher but funding pressures could emerge as the pace of short-term rate hikes picks up. Eye on deposit betas Deposit costs inched higher in 2016 […]
May 22, 2017
Via: Banking ExchangeDespite a long-running consolidation trend in banking and a recent run-up in stock valuations, small privately owned banks interested in selling are having a tough time finding a buyer. Panelists and attendees at the D.A. Davidson Financial Institutions Group Summit […]
May 10, 2017
Via: Banking ExchangeThe ongoing difficulties that Wells Fargo has experienced stemming from the phony account scandal certainly serves as a learning point for chairmen and directors alike. Recently, before the Wells annual stockholders meeting in April, one of the proxy advisory firms […]
Capital and Risk, Credit, Regulations
May 5, 2017
Via: Banking ExchangeThe pressure to complete tax reform is immense, ongoing, and far-reaching. There is bipartisan consensus that the U.S. corporate tax system is not competitive, as currently structured. And while its precise form, rates, and provisions may still be undetermined, enough […]
April 10, 2017
Via: Banking ExchangeWhen the subject of innovation comes up, Suresh Ramamurthi recalls how a few years ago, one of the major U.S. automakers ran a commercial showing two truck owners comparing their vehicles. “Well, my truck has WiFi. Does yours?” one owner […]
March 13, 2017
Via: Banking ExchangeBanking industry stock valuations have continued to increase in 2017. As of Feb. 28, the median price-to-tangible book value ratio for major exchange-traded U.S. banks and thrifts was 184.6%, up 18.8 percentage points from SNL’s last quarterly analysis on Nov. […]
March 6, 2017
Via: Banking Exchange“Agile banking,” a term of the moment, becomes something to take seriously when it is shown to cut costs, increase efficiency, please and retain customers, empower employees, and add to the bottom line. Make no mistake, agile banking is a […]
Capital and Risk, Macroeconomic
February 24, 2017
Via: Banking ExchangeDeposit costs across the banking industry will increase, but by how much is debatable. Banks of varying sizes and in different markets have included a variety of deposit betas—or how much of the changes in market rates they will have […]
Activity, Corporate Banking, Regulations
August 16, 2016
Via: Banking ExchangeThe use of debt financing to provide capital expanded greatly on Dec. 11, 2014 for a large group of financial institution holding companies when both chambers of Congress passed legislation that increased the total asset size for holding companies to […]
July 8, 2016
Via: Banking ExchangeIt’s hard not to wonder why more bankers wouldn’t leave their big-bank jobs after hearing Ben Wallace’s story. Wallace first worked at First USA, which was acquired by Bank One, and then ultimately became part of JPMorgan Chase. He ended […]
May 6, 2016
Via: Banking ExchangeIn the first quarter of 2016 many community banks saw sizable year-over-year growth in operating revenue amid acquisitions, regional pockets of strength, and improving loan growth. This analysis looks at banks with less than $10 billion in assets that, as […]
April 26, 2016
Via: Banking ExchangeThree significant events have altered expectations for capital plans. First, as of Jan. 1, 2015, banks had to comply with the new BASEL III capital requirements, including the new “capital conservation buffer.” Second, regulatory authorities now view strategic planning and […]