Search Results for 'Earnings'


Regulators Tie Examiner Training to IRR FAQ January 23, 2012 You can expect a lot of interest in your bank’s interest rate risk management process come exam time. Why? Regulators have not only issued recent interest rate risk guidance to the industry, but they’ve also been busy training examiners to enforce regulatory IRR expectations. The OCC,... Continued... Indexed by: Asset Quality \| Earnings \| Exams/Enforcement \| Management \| Regulation
IRR, ALM Processes under Regulatory Scrutiny January 23, 2012 Ever since the economic crisis hit, liquidity and capital have lived at the top of regulatory concern lists, but interest rate risk ranks high and it’s rising fast. Examiners are paying more attention to ALM models and interest rate risk management at banks of all sizes. All this attention,... Continued... Indexed by: Asset Quality \| Earnings \| Exams/Enforcement \| Regulation
Earnings Challenges, Compliance Burden to Define Community Banking in 2012, Experts Say December 26, 2011 Dodd-Frank implementation, more bank failures, FDIC lawsuits. Most bankers won’t remember 2011 fondly. But what is in store for community banks in 2012? Can community bankers look forward to feasier access to capital, better profit margins, or a way out of bad CRE credit purgatory? In short,... Continued... Indexed by: Asset Quality \| Capital Adequacy \| Earnings \| Legal \| Legislation \| Liquidity \| Management \| Market Risk \| Regulation
Skyrocketing Compliance Costs Kill Community Banks, Bankers tell Washington December 19, 2011 Compliance costs have trampled the community banking industry. That’s the message delivered by several bankers to Congress last week at a hearing held by the House Committee on Financial Services. The Illinois bankers testified that new compliance requirements are having a significant impact... Continued... Indexed by: Earnings \| Exams/Enforcement \| Regulation
Regulatory Push for Longer Forecasts Makes Little Sense, Experts Say December 12, 2011 How forward-looking should forward-looking risk assessments be? Are regulators – in their zeal to avoid the next big crisis – fooling themselves into thinking that more and more such forecasts – more and more into the distant future – are really making anybody safer? In... Continued... Indexed by: Earnings \| Exams/Enforcement \| Liquidity \| Market Risk \| Regulation
For Scenario Analysis, Look to the Local and the Qualitative, Experts Say November 07, 2011 To build a stress test, you first need to choose a scenario and some data to go with it. That’s much easier said than done for community banks. Since stress testing as a practice is so relatively new – and since regulators have yet to provide stress testing guidance designed for smaller... Continued... Indexed by: Asset Quality \| Earnings \| Management
Three Reasons Why Banks Don’t Perform Due Diligence on OREO October 03, 2011 It can be in a bank’s best interest to get to know their unwelcome assets, but a lot of banks opt not to do so, says Ron Cathcart, the CEO of Columbia Capital Consulting Group, Inc., Seattle, Wash. Why? Here are three common reasons: 1. No market. It may be that there simply isn’t a... Continued... Indexed by: Asset Quality \| Capital Adequacy \| Earnings
Selling OREO Requires Due Diligence, Too October 03, 2011 When it comes to OREO, bankers are, by definition, unwilling owners. But that doesn’t mean they should be ignorant owners, too. OREO can come with any number of tricky issues. If banks try to sell their OREO without finding out just what those issues are, they could find themselves having to... Continued... Indexed by: Asset Quality \| Capital Adequacy \| Earnings
Basel III and the Bank Business Model May 02, 2011 No matter how regulators adapt Basel III to domestic banking regulations, it will have deep, wide-ranging implications for the industry business model. As the new regulations come into effect, the industry will likely become safer and certainly much more regulated, but it will all come at the... Continued... Indexed by: Asset Quality \| Capital Adequacy \| Earnings \| Liquidity \| Management \| Regulation
Regulators Cite Safety and Soundness Concerns, Pressure Banks to Drop Products April 11, 2011 If you offer a product the regulators don’t like, you could be in for trouble. Regulators have been pressuring some banks lately to drop politically unpopular products. They cite safety and soundness concerns as the reasons behind the pressure, but some banks aren’t so sure. In the end,... Continued... Indexed by: Earnings \| Exams/Enforcement