Banking
Showing 289–304 of 600 results
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BANK Wire – Fed eases capital requirements for community banks
Summer 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 412
Abstract: This issue’s “BANK Wire” reports on the new Federal Reserve Board rule expanding the availability of “small bank holding company” status. It also discusses results of a survey that examined smaller banks’ risk practices. And it discusses a new rule finalized by the Consumer Financial Protection Bureau that allows banks to publish privacy notices on their websites rather than mail customers paper copies.
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Building and maintaining a quality board of directors
Summer 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 559
Abstract: All community banks should review the composition of their board of directors and develop strategies for recruiting and retaining quality directors and evaluating their effectiveness. This article discusses regulatory expectations, recruiting goals, and attracting and maintaining these top-notch leaders.
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“Small potato” borrowers can benefit from big-business practices
Summer 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 612
Abstract: Small businesses can learn from bigger businesses — there are reasons why the latter grew and why they endure. This article explores how lenders can assess whether their “small potato” customers are benefiting from some of the best practices of the “big enchiladas.” Operating lean, formalizing the company’s vision and leveraging assets are among the practices discussed.
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Risk and reward – Consider these factors when pricing commercial loans
Summer 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 859
Abstract: Many community banks take a “seat of your pants” approach to pricing commercial loans. A better way is risk-based pricing, which allows a bank to effectively judge whether the pricing is sufficient to cover its costs and risks. This method also does a superior job of customizing prices based on the borrower’s credit profile and relationship with the bank and the loan’s terms. This article addresses the various loan risks, and how costs factor in. A sidebar briefly discusses how costs factor into the picture of a loan’s profitability.
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In the News – What do borrowers value most about their lenders?
June / July 2015
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 436
Abstract: Every business, including banks, can add value by focusing on customer feedback, positive or negative. A recent CFO Magazine survey revealed what finance executives like, and dislike, about their current lenders. This article highlights key findings from this survey and provides suggestions for building goodwill for banks — and individual bankers.
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Look up and down the supply chain for concentration risks
June / July 2015
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 617
Abstract: Concentration risks happen when a borrower relies on a customer or supplier for 10% or more of its revenue or materials. If a “key” customer or supplier experiences turmoil, the repercussions travel up or down the supply chain and could quickly impact the borrower’s business. These risks also arise when a borrower relies on several customers or suppliers located in the same geographic region. This article explains why it’s important to evaluate a borrower’s product and geographic concentration risks and provides strategies for lowering these risks to more acceptable levels.
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GAAP vs. tax-basis reporting – How lenders can avoid apples-to-oranges comparisons
June / July 2015
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 649
Abstract: Some borrowers may want to issue tax-basis financial statements, rather than statements that comply with GAAP. But the use of simplified special purpose frameworks could result in significant differences in financial results compared to GAAP. This article compares and contrasts the two most common financial reporting frameworks — GAAP and tax-basis reporting — to help lenders understand where the differences lie and make meaningful comparisons.
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Shareholder disputes: The good, the bad and the ugly
June / July 2015
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 849
Abstract: When owners don’t see eye-to-eye about major decisions, it can disrupt business operations and compromise debt service, especially if the parties wind up in court. One way borrowers can help themselves — and their stakeholders — is to implement a valid, comprehensive buy-sell agreement. This article discusses how buy-sells can prevent shareholder disputes and what relevant details to include in a buy-sell agreement. A sidebar identifies potential sources of buyout funding, including life insurance and loan proceeds.
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BANK Wire – When ending a troubled debt restructuring is OK
Spring 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 409
Abstract: This issue’s “BANK Wire” discusses when ending a troubled debt restructuring is permitted by regulators, the FFIEC’s update of its BSA/AML examination manual, and the CFPB’s warning to lenders about imposing illegal burdens on mortgage applicants who receive Social Security disability income.
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Business lending – Taking a savvy spin on due diligence
Spring 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 655
Abstract: This article explores steps to take that will make the due diligence process in business lending more meaningful. For example, it suggests beginning the process as an auditor would. That is, before opening a borrower’s financial statements, the lender should consider documenting the risks in the borrower’s industry, applicable economic conditions, sources of collateral and the borrower’s business operations.
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Time for your bank to adopt the updated COSO framework?
Spring 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 509
Abstract: Many banks have not yet transitioned to COSO’s updated Internal Control — Integrated Framework, even though COSO now considers the old 1992 framework to be superseded. This article discusses which banks are required to conduct a management assessment of internal control effectiveness and the internal control principles that have been added to the COSO framework.
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Cybersecurity preparedness – Be sure to ask the right questions
Spring 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 846
Abstract: Last summer, in an effort to evaluate financial institutions’ cybersecurity preparedness, the FFIEC piloted a cybersecurity examination work program (the “Cybersecurity Assessment”) at more than 500 community banks. The agency’s subsequent “Cybersecurity Assessment General Observations” provides questions for boards and management to consider as they assess their institutions’ preparedness. This article discusses some of those questions, while a sidebar looks at security risks involved in mobile banking apps.
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In the News – Private companies welcome simplified M&A reporting
April / May 2015
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 424
Abstract: Last year was the hottest year for mergers and acquisitions (M&As) since the recession began, thanks to healthy cash reserves, improved growth prospects, greater access to financing and a large number of baby boomers in search of exit strategies. This article explores simplified accounting options, available only to private companies, that may sweeten M&A deals in 2015 and beyond.
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Advisory boards can be a boost to your borrowers
April / May 2015
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 603
Abstract: Borrowers who seek input from trusted professionals outside the company’s four walls tend to make better-informed decisions than those who keep decision-making close to the cuff. Private company advisory boards typically serve in an informal consulting capacity, bridging gaps in skills and experience. This article guides private companies on how to leverage the expertise of advisory boards, pick the right mix of board members and avoid potential pitfalls.
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Spotlight on the statement of cash flows
April / May 2015
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 686
Abstract: The statement of cash flows is arguably the most misunderstood and underappreciated part of companies’ annual reports. But it can also provide valuable insight to lenders who understand its uses and potential weaknesses. Here’s an overview of how this statement is organized and what FASB is doing to make it more user-friendly.
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Does your borrower need key person insurance?
April / May 2015
Newsletter: Commercial Lending Report
Price: $225.00, Subscriber Price: $157.50
Word count: 852
Abstract: People are often a business’s most valuable asset. Chances are that some borrowers rely so heavily on key people — owners, salespeople or executives — that a sudden, unexpected loss of those individuals would impair the company’s credit standing or ability to service debt. This article helps lenders identify which borrowers would benefit most from key person insurance, what types of coverage are available, and why it’s vital to update coverage on a regular basis. A sidebar offers a list of questions to help determine the right amount of coverage.