Community Bank, FDIC and Taxes - Community Banking Brief

The top-performing community banks of 2021

Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.

Community Bank

Community Bank Community Montana Taxes

FDIC: Bank Profits Fall amid Ongoing Pandemic; Community Bank Income Grows

ABA Community Banking

AUGUST 25, 2020

FDIC-insured banks and savings institutions earned $18.8 billion in the second quarter of 2020, a 70% decline from a year prior, the FDIC reported today. The post FDIC: Bank Profits Fall amid Ongoing Pandemic; Community Bank Income Grows appeared first on ABA Banking Journal.

FDIC

FDIC Community Bank Community Report

FDIC Proposes Large-Bank Surcharge

Independent Banker

JANUARY 26, 2016

The FDIC has released a proposal to indemnify the banks with assets less than $10 billion from the costs of raising the Deposit Insurance Fund reserve ratio from 1.15 The provision will ultimately provide thousands of community banks a reduction in deposit-insurance premiums of up to 30 percent. percent to 1.35

FDIC

FDIC Community Bank Community Lending

Webinars

Back to Basics with Reconciliations

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9 “hot spot” issues examiners see at banks with CRE loans

Abrigo

MARCH 31, 2017

FDIC officials in March outlined several types of weaknesses in loan underwriting, administration and oversight practices that are emerging at some banks with CRE portfolios. Eberley, director of the FDIC's Division of Risk Management Supervision wrote in the publication.

FDIC

FDIC Risk Management Analysis Lending

The Current Banking Crisis – 10 Not So Apparent Lessons

South State Correspondent

MARCH 15, 2023

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. This is compared to about 40% at most banks. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

social media

social media FDIC Branding Management

Expanding credit portfolios: 3 Growing pains

Abrigo

DECEMBER 9, 2014

Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. Loans across categories increased, with commercial and industrial loans growing at the fastest rate, roughly 5.3 percent over the 3rd quarter of 2013.

Training

Training Policies Analysis Community Bank

Survey Finds Cost of Funds Top of Mind for Community Bankers

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

Survey Community FDIC Community Bank

Advocacy: Election Returns

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. By Courtney Schoenborn. 1233 and S. 1523 and S.

Community Bank

Community Bank Community Washington FDIC

Predicting the Next Banking Crisis Is a Fool’s Game. Not Learning From the Last One: Equally Foolish

Jeff For Banks

JUNE 2, 2023

When the Taxpayer Relief Act of 1997 passed, the top capital gains tax rate was lowered, providing yet another incentive for equity speculators to pour money into the fledgling internet industry. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate? credit default swaps anyone?).

FDIC

FDIC Community Bank Regulation Lending

Podcast: Exit Interview with Jelena McWilliams, Part 1

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

FDIC Innovation Taxes Community Bank

De Novo Banks: Only Apply If You Intend to Matter

Jeff For Banks

APRIL 25, 2015

Sure, if you cite studies that say these banks' loan books are predominantly small, as the FDIC measures them. So the bank necessarily hunts for smaller relationships. I'm also skeptical that small community banks in general are financing startup businesses.

FDIC

FDIC Capital Community Bank Lending

Reps. Meeks, Luetkemeyer Join Chorus for CECL Suspension, Delay

ABA Community Banking

MARCH 23, 2020

today joined the chorus of voices—including FDIC Chairman Jelena McWilliams—calling for the Financial Accounting Standards Board to suspend and delay its Current Expected Credit Loss standard amid the coronavirus pandemic. Meeks, Luetkemeyer Join Chorus for CECL Suspension, Delay appeared first on ABA Banking Journal. The post Reps.

FDIC

FDIC Taxes Community Bank Policies

What's With Regulator Agita Over Bank Commercial Real Estate Lending?

Jeff For Banks

MAY 20, 2017

Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. Maybe sub out an economist or two.

Lending

Lending Regulation Community Community Bank

The Thinker

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. Large Community Bank Council, member. Membership-Marketing.

Ohio

Ohio Community Bank Community Lending

Wading Through the Waters

Independent Banker

SEPTEMBER 22, 2015

Both of these laws pointedly changed the National Flood Insurance Program requirements over which of the banking agencies have jurisdiction. 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.

Regulation

Regulation Policies Community Bank Taxes

E-Signature Approval

Independent Banker

AUGUST 26, 2015

Webster says 75 percent of Private Bank’s borrowers select the electronic signature option after its loan officers explain the process to them. “We Community banks and their customers don’t need to be concerned about the legality of digitally signed documents. Legal aspects.

San Francisco

San Francisco Lending System Atlanta

Are lawmakers inviting ‘hot money’ boom with brokered deposit bill?

American Banker

JULY 8, 2020

Backers say a bill to limit asset growth instead of restricting brokered funds addresses concerns about expanding balance sheets at troubled banks. But skeptics worry it would open the door to greater risk.

Taxes

Taxes FDIC Community Bank Community

CFPB: Are They Coming to Get You?

Jeff For Banks

MARCH 5, 2021

A bank trade association CEO asked me a couple of questions while he was researching an op-ed piece. 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 edited Q&A is below.

Regulation

Regulation Indiana Charlotte Community Bank

Critics of credit union-bank mergers have it all wrong

American Banker

JANUARY 24, 2020

Bankers may not want to hear this, but communities benefit when credit unions buy banks.

Community

Community Taxes FDIC Community Bank

Trump Tax Cuts – Benefiting Wall Street or Main Street?

Long Lasting Ideas

JULY 25, 2018

When Congress passed the White House-backed tax reform legislation late last year, we at BankMarketingCenter.com tried to strike a positive chord, pointing to community banks that had increased wages and bonuses for employees. Continue reading Trump Tax Cuts – Benefiting Wall Street or Main Street?

Taxes

Taxes Maine Marketing Strategies FDIC

Acquire or Be Acquired 2018: Breaks, Bulls and Business Models

Gonzobanker

FEBRUARY 7, 2018

Nothing seems to put a bounce in a banker’s step more than a tax break and regulatory relief, and this bountiful energy was radiating at Bank Director’s annual “mecca” for bank M&A in Phoenix last week – Acquire or be Acquired. For those in the know – simply AOBA. 2: The Bulls.

Taxes

Taxes Video Analytics Arkansas

Community Banking Brief

The top-performing community banks of 2021

FDIC: Bank Profits Fall amid Ongoing Pandemic; Community Bank Income Grows

Webinars

Trending Sources

FDIC Proposes Large-Bank Surcharge

Webinars

9 “hot spot” issues examiners see at banks with CRE loans

The Current Banking Crisis – 10 Not So Apparent Lessons

Expanding credit portfolios: 3 Growing pains

Survey Finds Cost of Funds Top of Mind for Community Bankers

Advocacy: Election Returns

Predicting the Next Banking Crisis Is a Fool’s Game. Not Learning From the Last One: Equally Foolish

Podcast: Exit Interview with Jelena McWilliams, Part 1

De Novo Banks: Only Apply If You Intend to Matter

Reps. Meeks, Luetkemeyer Join Chorus for CECL Suspension, Delay

What's With Regulator Agita Over Bank Commercial Real Estate Lending?

The Thinker

Wading Through the Waters

E-Signature Approval

Are lawmakers inviting ‘hot money’ boom with brokered deposit bill?

CFPB: Are They Coming to Get You?

Critics of credit union-bank mergers have it all wrong

Trump Tax Cuts – Benefiting Wall Street or Main Street?

Acquire or Be Acquired 2018: Breaks, Bulls and Business Models

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