Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. The regulator’s April edition of Supervisory Insights provides what the FDIC called a “refresher” on its Pocket Guide for Directors, the 1988 booklet outlining the basic duties and responsibilities of a bank’s board of directors.

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Management FDIC Risk Management Community Bank 150

Abrigo

MARCH 17, 2022

Takeaway 3 Using stress testing scenarios helps banks and credit unions determine whether estimated loss rates will push projected capital levels below regulatory thresholds. Banks and credit unions must be able to adjust when necessary to ensure viability of the institution and the ability to supply capital to their local economy.

Capital 195

Capital Regulation Risk Management Community 195

Abrigo

APRIL 21, 2020

PPP loans carry a 0% risk weighting, meaning they don’t count against the institution from a risk-based capital standpoint. Stearns Bank, as well as other bankers on the webinar panel, have concluded that loans made outside of that timeframe are not subject to the same restriction.

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Lending Capital Minnesota FDIC 195

Abrigo

JUNE 11, 2021

Measurement plays an important role in ensuring that interest rate risk doesn’t threaten a financial institution’s earnings and capital. FDIC) noted in its 2021 Risk Review. You might also like this webinar on liquidity risk. Long-term IRR measurements focus on the possible impact to capital from changes in interest rates.

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How To Risk Management Analysis Kansas City 195

South State Correspondent

MARCH 15, 2023

It turns out that confidence is more valuable than capital. Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

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social media FDIC Branding Management 195

Abrigo

JULY 25, 2017

In a recent Sageworks webinar Robert Ashbaugh, senior risk management consultant at Sageworks, discusses High Volatility Commercial Real Estate (HVCRE) lending best practices. These caps were 100% of capital for construction loans, and 300% for all investor CRE. That 13% represented 80% of the losses to the FDIC insurance fund.

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Risk Management Management Capital Lending 150

CB Insights

MAY 27, 2020

REGISTER NOW: FINTECH WEBINAR. Mercury , which provides startups with FDIC-insured bank accounts. Rounding out the top 5 are Accel , Ribbit Capital , Insight Partners , and GFC. . The quarter saw fintech activity fall to $6.1B First name. Last name. Sarwa , a roboadviser targeting young professionals in the Middle East.

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Fintech FDIC Trends Capital 92

Abrigo

MARCH 25, 2020

Regulators also announced other guidance tied to reporting and risk-based capital rules. The guidance makes it more palatable for institutions seeking to help borrowers affected by the coronavirus crisis. Modifications not automatically TDRs. In a joint statement March 22, the Federal Reserve, the Federal Deposit Insurance Corp. Learn More.

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FDIC Regulation Exercises Community 150

Abrigo

MARCH 13, 2023

Historic collapse SVB is different from other financial institutions The FDIC closure and assumption of Silicon Valley Bank (SVB) – the largest bank failure since 2008 – is a stark reminder that when a crisis occurs, it can spread as fast as a wildfire in dry fields with a strong wind. Boy, did that impact capital ratios.

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Strategy Lending Security Analysis 195

Abrigo

OCTOBER 28, 2022

Overall, FDIC-insured commercial banks and savings institutions aren’t seeing dramatic increases in net charge-offs ( Chart 1 ) or rates related to declining asset quality ( Chart 2 ), such as past-due rates and rates for non-current loans. Learn how credit unions can manage capital levels amid credit stress. Watch webinar.

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Management Risk Management Policies Lending 195

Abrigo

NOVEMBER 29, 2021

You might also like this webinar: "Is inflation the big gift to your 2022 earnings?". Capital One and Fifth Third Bank have launched programs to give customers early access to direct deposits, up to two days. Roadmap for Effective Capital Planning: Start Here. Talk to a specialist to learn more. Whitepaper. Asset/Liability.

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Community Bank Community FDIC Trends 195

Abrigo

MAY 5, 2022

We have webinars , whitepapers , and other resources to make your job easier. Listen to the podcast episode, " How To Sleep Easier at Night About Capital and Risk Levels.". Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. keep me informed.

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Community Lending Maine Resources 195

Abrigo

SEPTEMBER 5, 2023

You might also like these on-demand webinars on tackling common credit risk questions. As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked. a significant capital injection into the borrower, or other collateral such as liquid assets).

Policies 195

Policies Lending Risk Management Examples 195

Abrigo

AUGUST 8, 2021

The Federal Reserve, the OCC, the NCUA, and the FDIC repeatedly pointed out that the nature of loan review or credit risk review at a given bank or credit union will vary. Learn how loan review is your credit union's competitive advantage with this webinar, "Create and Maintain a Successful Loan Review Function at Your Credit Union".

System 195

System Lending Policies Regulation 195

Abrigo

JUNE 23, 2017

The Richmond Fed listed five considerations: • Current operating practices • Historical values or levels • Projected values or levels indicated in strategic plans and/or budgets • The institution’s overall financial condition (including earnings and capital levels) • Discussions with management about risk appetite and strategic initiatives.

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Policies Risk Management Survey FDIC 150

Abrigo

JULY 20, 2021

Investors buy these loans because the interest rates are generally high compared to the risk, as the only risk the investor incurs is prepayment risk," the FDIC said in a " Supervisory Insights ” article. Export Working Capital loans are up to $5 million and are for terms of up to 12 months. Watch Webinar. Keep me informed.

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

JULY 20, 2021

Investors buy these loans because the interest rates are generally high compared to the risk, as the only risk the investor incurs is prepayment risk," the FDIC said in a " Supervisory Insights ” article. Export Working Capital loans are up to $5 million and are for terms of up to 12 months. Watch Webinar. Keep me informed.

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Lending FDIC Capital Risk Management 195

Abrigo

NOVEMBER 9, 2022

Banks regulated by the Federal Reserve, the OCC, or the FDIC made up the bulk of institutions represented by survey-takers (73%). Managing capital levels amid credit stress: Advice for credit unions. One-quarter were credit unions, and 2% were banks or cooperative institutions of the Farm Credit System. keep me informed. Learn More.

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