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U.S. Banker
May 2008
Anthony Malakian |
Banks are Failing -- But It's Nothing Like the Old Days Today's bank failures have nothing on the savings-and-loan crisis of the 1980s and early 1990s.   |
Bank Technology News
January 2011
Tom Hinkel |
IT's On the Front Burner In a survey conducted recently among our bank customers, we asked where they felt the primary areas of focus were for the regulators during their last examination. |
Bank Systems & Technology
June 1, 2005
Ivan Schneider |
If You Can't Beat 'Em, Join 'Em A new bill introduced by a senior member of the House Financial Services Committee would relax regulations for smaller community banks and also reduce their tax liability. |
The Motley Fool
November 10, 2009
Kris Eddy |
Who's Watching the Bankers? Three banks failed after qualifying for reduced scrutiny. |
U.S. Banker
August 2001
Robert A. Bennett |
A Clear Perspective Needed at FDIC But the new chairman has shown little indication he has one. In fact, he seems to oppose his predecessor's view that reform should be achieved in a single package. |
The Motley Fool
November 14, 2006
Dan Caplinger |
Banker, Broker, or Both? Be careful to figure out which hat your bank's employee is wearing. The key to dealing with bank-based brokers is to know exactly what you're being offered at all times. |
FDIC FYI
October 3, 2002 |
FDIC Looks to Research Used in Private Sector for Pricing and Managing Risk Results from a conference exploring how to more closely tie premiums for federal deposit insurance to banks' risk profiles. |
U.S. Banker
February 2009
Anthony Malakian |
Community Banks Paying for Bigger Brothers' Sins Community bankers have many reasons to be pessimistic about 2009, including the added pressure of the Federal Deposit Insurance Corporation raising the risk-based assessment rates in order to restore the Deposit Insurance Fund. |
OCC Bulletin
January 31, 2001 |
Subprime Lending While the OCC believes that responsible subprime lending can expand credit access for consumers and offer attractive returns for bankers, during recent years institutions engaged in subprime programs have represented a disproportionate number of problem institutions... |
U.S. Banker
May 2007
Lee Conrad |
Community Banks Struggle To Know 'Indirect' Clients Indirect channels to customers, particularly check-cashing services, reduce a bank's control of the customer and exposes it to potential money laundering. New products are stepping in to help. |
OCC Bulletin
October 20, 2003 |
Bank Secrecy Act Examination Procedures The examination procedures allow examiners to tailor the examination scope according to the reliability of the bank's compliance management system and the level of risk assumed by the institution. |
The Motley Fool
April 11, 2008
Tom Hutchinson |
Capital Ratio Fever Just as blood pressure and heart rate are vital measures of physical health, capital ratios are vital measures of the health and solvency of banks. Right now, those vital signs reflect a sick industry that's getting sicker. |
U.S. Banker
April 2002 |
Tougher On The Big Boys Being bigger is not necessarily better for corporations seeking loans from their banks. A study by the Association for Financial Professionals indicates that banks are putting heavy pressure on their biggest borrowers to throw more business the banks' way. Or else: No credit... |
OCC Bulletin
August 24, 2005 |
Community Reinvestment Act The revisions to the Community Reinvestment Act regulations, effective September 1, 2005, include a new test -- the community development test -- for intermediate small banks. |
Bank Systems & Technology
September 28, 2005
Maria Bruno-Britz |
Open for Business Amidst the chaos following Hurricane Katrina, at least one entity had its act together - the financial services sector. Even before the floodwaters began receding, banks in the disaster zone were working to restore operations. |
Bank Systems & Technology
March 27, 2008
Peggy Bresnick Kendler |
The Credit Crisis Has Increased Scrutiny on Trade Finance The global credit crisis has emphasized the importance of cash management while intensifying the spotlight on corporate governance and banks' risk management practices |
U.S. Banker
November 2009
Kaper & Hopkins |
Dodd's Power of Persuasion Facing long odds, the Banking Committee Chairman builds support for a plan to create a prudential regulator. But would a single agency kill the dual banking system? |
U.S. Banker
March 2006
Michael Dumiak |
Community Bankers Face A Slew of Issues This Year Based on a round of interviews with bankers, regulators and industry associations, the executives who run America's community banks have a host of concerns this year, both legislative and economic. |
U.S. Banker
May 2008
Holly Sraeel et al. |
Playing Both Ends Against the Middle There are plenty of mid-tier banks and thrifts posting respectable performances. |
National Real Estate Investor
February 1, 2007
Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns. |
OCC Bulletin
October 7, 1999 |
Interagency Policy Statement On External Auditing Programs This statement provides unified interagency guidance regarding independent external auditing programs of community banks and savings associations... |
U.S. Banker
December 2001 |
Deposit-Equity Balance Earlier this year, banks were pleased to see a healthy inflow of deposits, those low-cost funds that help keep interest-rate margins strong. Many banks have been reporting increases of more than 10% over the previous year... |
Bank Technology News
March 2002
David Rountree |
Getting Technology Right Don't tell bankers about the importance of financial IT... |
InternetNews
March 25, 2005
Jim Wagner |
Feds Push Banks on Security Alerts After several high-profile private data leaks, the Federal Reserve and regulators advise banks to immediately notify customers of security breaches. |
CFO
October 1, 2007
Rob Garver |
One Nation, Left Behind The race to cut compliance-based capital has begun, and U.S. banks are trailing the pack -- badly. |
The Motley Fool
January 17, 2007
Dan Caplinger |
Insuring Your Investments Several entities combine to protect assets in various accounts. Although all of these organizations provide some protection for investors, it's still best to avoid having to go through the process of dealing with an insolvent financial institution in the first place. |
U.S. Banker
July 2005
Lee Conrad |
Stalled Deposit Growth Challenges Community Banks The value of community bank stocks remains high, but many challenges await. Buckle up. The road ahead could get bumpy. |
U.S. Banker
February 2007
Andrew Reinbach |
Still Smarting From Flat Yield Curve, Startups May Sell Out in '07 Startup banks have had to be more than nimble in 2006, and only the lucky ones will survive this year. But the luckiest may be those that find a buyer-quickly. |
U.S. Banker
March 2011
Rob Garver |
Sowing Caution Though the ag sector remains strong, regulators are warning banks to avoid concentration risk - a message that is not going over too well. |
U.S. Banker
February 2002
John Hackett |
Deposits Grow Despite Drop in Rates The stock market has driven depositors into the arms of banks, but will this love dissolve if the market comes back? |
Inc.
March 1, 2003
Norm Brodsky |
Yes, a Borrower Be, but ... Manage your business's loan carefully or you may pay a terrible price. |
OCC Bulletin
July 18, 2001 |
Examination Procedures Examination procedures to evaluate compliance with the guidelines to safeguard financial institution customer information... |
OCC Bulletin
July 12, 1999 |
Year 2000 FDIC Asset Liability Backup Program FDIC's interim final rule dealing with the backup of limited deposit and loan account information. The rule only applies to insured depository institutions with "needs improvement" and "unsatisfactory" Year 2000 ratings on or after July 31, 1999. |
Commercial Investment Real Estate
Jan/Feb 2014 |
Lending Decisions During the past three decades, community banks have substantially increased their presence in commercial real estate lending, according to a 2012 FDIC Community Banking Study. |
FDIC FYI
May 18, 2004 |
An Update on Emerging Issues in Banking Trends in Community Banking... The Declining Number of U.S. Banking Organizations: Will the Trend Continue?... Community Banks: Their Recent Past, Current Performance, and Future Prospects... |
U.S. Banker
September 2009
Alan Kline |
A Pricier TAG is Better Than No TAG at All TARP comes with a stigma and TALF and PPIP haven't worked as well as intended, but if there's one government program that many small and regional banks will be sorry to see go it's the TAG, or Transaction Account Guarantee program. |
FDIC FYI
March 11, 2002 |
Bank Auditing and Accounting Faces Scrutiny Regulators should consider strengthening the ground rules governing bank auditing and accounting, according to FDIC Chairman Don Powell... |
The Motley Fool
March 2, 2007
Matt Koppenheffer |
Quick Take: Brokerages' Sloppy-Looking Swaps Current trading around banks' debt could suggest trouble ahead. Investors may be concerned that risk wasn't adequately managed with regards to the mortgage loans the banks took on. |
FDIC FYI
July 9, 2004 |
Bank Branching Trends and Prospects of Key Banking Sectors A summary of three reports released today that represent the fourth installment of the Federal Deposit Insurance Corporation's Future of Banking Study. |
Inc.
January 2006
Dan Ackman |
A Bank, at Your Service The number of start-up banks is on the rise, and they're competing with the big boys by catering to business owners. |
OCC Bulletin
January 5, 2004 |
Banks/Thrifts Providing Financial Support to Funds Advised by the Banking Organization or its Affiliates The purpose of the guidance is to alert banking organizations and examiners of the safety and soundness implications of, and the legal impediments to, a bank providing financial support to investment funds advised by the bank, its subsidiaries or affiliates. |
FDIC FYI
January 14, 2003 |
Basel and the Evolution of Capital Regulation: Moving Forward, Looking Back How much capital is enough? How bank regulators have answered this question during the post World War II period has been shaped by two contending strands of thought. |
U.S. Banker
May 2002 |
Hear No Evil, See No Evil, Speak No Evil Federal Reserve Chairman Alan Greenspan clearly believes that business should be big and should be run in a clubby atmosphere. Or else he chooses not to hear, see or speak of evil... |
Bank Technology News
February 2003
Michael Sisk |
Outsourcing Goes On-Demand Bankers like JP Morgan Chase's John Schmidlin, CTO of enterprise services, are increasingly looking to outsourcing firms to help them slash inefficiencies in commodity services and gain the upper hand in more strategic business partnerships. |
Bank Systems & Technology
May 24, 2007
Nancy Feig |
Survey Finds Technology Spending to Increase A survey of bank executives find most planning to increase technology spending. |
U.S. Banker
April 2007
Karen Krebsbach |
International-Rule Adoption May Harm Emerging Economies Traditional approaches to bank supervision could actually hurt the societies they're aiming to protect, particularly those in emerging economies. |
Bank Systems & Technology
November 1, 2005
Ivan Schneider |
Equal Protection A federal bailout of Gulf Coast financial institutions unfairly favors banks over local businesses. Scarce reconstruction funds have far better uses than to prop up banks with an undue concentration of geographic risk. |
FDIC FYI
September 11, 2002 |
Progress in the Financial War on Terrorism This article summarizes the progress that has been made over the past 12 months in the financial war on terrorism. |
Bank Technology News
March 2001
David Rountree |
Up Today, Up Tomorrow Banks appear determined to sustain their leadership in technology as the virtual world creates ever new real-world threats to their traditional business models. |
Financial Planning
October 1, 2006
William Cavell |
Compliance Tips Tips for Before and During an SEC Exam |
