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 60

FDIC Capital Community Bank Lending 60

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 49

Survey Community FDIC Community Bank 49

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 60

Lending Regulation Community Community Bank 60

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 52

FDIC Innovation Taxes Community Bank 52

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 60

Regulation Indiana Charlotte Community Bank 60

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 70

Ohio Community Bank Community Lending 70

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 60

FDIC Community Bank Regulation Lending 60

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 70

Regulation Policies Community Bank Taxes 70

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 70

San Francisco Lending System Atlanta 70

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 40

FDIC Taxes Community Bank Policies 40

American Banker

JANUARY 24, 2020

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

Community 65

Community Taxes FDIC Community Bank 65

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 62

Taxes FDIC Community Bank Community 62

South State Correspondent

FEBRUARY 10, 2025

The banking industry’s cost of funding earning assets (COF) is highly correlated to short-term interest rates. On average, community banks have not been able to lower their COF, now recognize the reality of a pause by the Federal Reserve, and the possibility that the next Fed action is a hike instead of a cut.

Management 195

Management How To Community Bank Community 195

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 83

Taxes Video Analytics Arkansas 83

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 40

Taxes Maine Marketing Strategies FDIC 40

ABA Community Banking

FEBRUARY 3, 2025

As the Trump administration searches for cost savings to address federal budget deficits, it is time to reexamine credit union tax subsidies that cost taxpayers billions each year, former FDIC Chairwoman Sheila Bair wrote in an opinion column for the Washington Post.

FDIC 116

FDIC Taxes Washington Community Bank 116