Jeff For Banks

JULY 20, 2012

'The regulatory definition of "well capitalized" has not changed post financial crisis. Tier 1 leverage ratio: 5% Tier 1 risk-based ratio: 6% Total risk-based ratio: 10% So where is all of this belly aching about capital requirements coming from? It has come from three places, in my opinion. 1. IMCRs When the financial crisis struck, and FIs began to falter, regulators were issuing regulatory orders (supervisory agreements, written agreements, cease & desist orders, and memorandum of underst

Capital 83

Capital Regulation FDIC Groups 83

Jeff For Banks

JULY 14, 2012

'I recently spoke to an old friend that is a bank equity research analyst and asked him how his coverage universe was doing with second quarter earnings. He said his "mortgage banks did great". Meaning that those that specialized in originating and selling or putting residential mortgages on their books had a great quarter due to the strength of originations.

Leadership 79

Leadership Groups Management Payments 79

Jeff For Banks

JULY 28, 2012

'I frequently hear lamentations about the gap between the performance expectations of community financial institution (FI) personnel and performance results. A frequent challenge is that performance expectations are not documented in the form of job descriptions. Instead, expectations are often trapped between the ears of the supervisor or senior management.

Community 66

Community social media Strategy Lending 66

Jeff For Banks

JULY 9, 2012

'Second Quarter Surprises We received two big surprises at the end of the second quarter — one from Washington and one from an ocean away. On June 28th, the Supreme Court upheld the Affordable Care Act as constitutional, calling penalties on individuals for failing to purchase health insurance a “tax.” This decision sets in motion a series of steps to implement the law over the next few years along with the estimated $813 billion in taxes and levies over the next ten years.

Taxes 66

Taxes Washington Risk Management Marketing 66

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Jeff For Banks

JULY 3, 2012

'A tweep of mine, Ken Mueller (@kmueller62), posted an interesting bio-post titled " Random Stuff You Should Know About Me " on his Inkling Media blog. I saw his reference to it on Twitter, I read it, I enjoyed it, so I decided to copy it. with Ken''s blessing of course. A key benefit of blog writing versus newspaper journalism is the ability to let readers know more about you than is reflected in a typical journalist''s bio page.

St. Louis 66

St. Louis Philadelphia Pennsylvania Capital 66