Banking

Showing 513–528 of 548 results

  • Every business needs a plan

    September / October 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 504

    Abstract: What is a manufacturer’s breakeven point? How many employees must a service firm hire — or lay off — next year? How long before a startup will turn a profit? Business plans help borrowers answer these tough questions and others. They also show lenders that management operates with forethought and efficiency, rather than by the seat of its pants.

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  • Financial statement footnotes – Why you should read between the lines

    September / October 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 457

    Abstract: Financial statement numbers provide lenders with limited information. But footnote disclosures can offer valuable details about account balances, accounting practices and future events that may affect performance. They can also provide fraud red flags if a company’s management is cooking the books.

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  • Minimizing growing pains – Expansion strategies essential for borrowers

    September / October 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 936

    Abstract: In the midst of the excitement of internal expansion or external acquisition, lenders can serve as the voice of reason by 1) requiring borrowers to provide financial statement projections and other analyses, and 2) reviewing expansion plans skeptically — asking key questions — before approving an expansion or acquisition loan.

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  • Avoid off-the-cuff offshoring

    September / October 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 733

    Abstract: Offshoring is big and getting bigger. More than one-third of companies outsource at least one aspect of their business operations to offshore locations, according to a 2008 survey. But before your borrowers jump headfirst into offshore manufacturing, consulting or purchasing contracts, they should look beyond cost per unit and weigh qualitative issues.

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  • FASB revamps M&A accounting rules

    Fall 2008
    Newsletter: Community Banking Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 608

    Abstract: If your bank’s growth strategy includes mergers and acquisitions, you need to understand the implications of Financial Accounting Standards Board (FASB) Statement No. 141R (SFAS 141R), which includes a move to recognize assets acquired and liabilities assumed at their acquisition-date fair values.

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  • Taking stock of your compensation program

    Fall 2008
    Newsletter: Community Banking Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 713

    Abstract: In the highly competitive banking industry, a quality executive team is critical to your success. To attract, retain and motivate management talent, you need a compensation program that’s tailored to both your bank’s goals and your employees’ needs.

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  • To prevent employee fraud, cover all the angles

    Fall 2008
    Newsletter: Community Banking Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 862

    Abstract: Employee fraud is a significant threat to U.S. businesses, yet few community banks give it the attention it deserves. It’s vital to have a fraud prevention strategy that addresses all three sides of the fraud triangle — that is, the elements that make fraud possible.

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  • Liquidity risk – How to put the “L” in CAMELS

    Fall 2008
    Newsletter: Community Banking Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 1165

    Abstract: The most successful community banks are the ones with solid systems for monitoring and managing risk. Historically, liquidity risk wasn’t at the top of most banks’ list of concerns. But the subprime mortgage crisis and credit crunch have made it a priority for banks as well as regulators.

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  • Who’s afraid of the Big Bad (Housing) Slump?

    July / August 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 477

    Abstract: Anyone who lends to homebuilders knows that residential construction is a cyclical industry. But after years of record profits and double-digit value increases, news of a prolonged housing slump is a hard pill to swallow. So, what’s a builder to do? Many have responded by starting fewer new houses, slashing prices and offering financial incentives, such as free upgrades, seller financing and even new cars at closing. But these solutions — which cannibalize profits — are just a starting point for borrowers hoping to stave off financial crisis.

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  • An inconvenient truth about inventory

    July / August 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 517

    Abstract: Inventory has long been a favorite target among fraudsters. The Great Salad Oil Swindle of 1963, for example, forced 16 investors and lenders — including a finance subsidiary of American Express and two Wall Street brokerage firms — into bankruptcy. Here is how you can learn from history.

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  • Receiverships offer an “out-of-the-box” solution for troubled firms

    July / August 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 378

    Abstract: When borrowers experience financial distress, bankruptcy and out-of-court settlements are popular ways for creditors to protect their financial interests. A lesser-known alternative worth considering is a court-ordered receivership, in which the court appoints a receiver to preserve, recover or distribute assets for the benefit of the distressed company’s creditors and stakeholders.

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  • Look beyond profits – Asset management is key

    July / August 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 616

    Abstract: Businesses encounter financial problems every day. It’s a lender’s job to read the writing on the wall before customers’ problems become their own. This article discusses how bankruptcy, bad debt writeoffs, layoffs and other woes all have one thing in common: inefficient asset management. (Updated 9/27/12)

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  • When the going gets tough – What an economic downturn May Mean For Your Borrowers

    July / August 2008
    Newsletter: Commercial Lending Report

    Price: $225.00, Subscriber Price: $157.50

    Word count: 957

    Abstract: Amid conflicting economic indicators and wide-ranging prognostications, it’s hard to predict where the economy is headed. But a survey of CFOs reveals that optimism in the U.S. economy has reached its lowest point in six years. And 40% of CFOs predict a recession in 2008. Learn how you can prepare your customers.

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  • Risky business – Measuring and managing interest rate risk

    Summer 2008
    Newsletter: Community Banking Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 793

    Abstract: Community banks are exposed to credit, market, liquidity, trading and operational risks. A key responsibility of bank directors and senior management is to understand, monitor and manage this quintet of financial dangers, including interest rate risk (a component of market risk), which can have a profound impact on a bank’s financial condition.

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  • BIG opportunity for S corporation sales

    Summer 2008
    Newsletter: Community Banking Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 787

    Abstract: Banks and other financial institutions have been allowed to elect S corporation status since 1997, and thousands have taken advantage of this tax-saving opportunity. As institutions enter the second decade of their conversion to S status, a new benefit emerges: the ability to structure the sale of the business as an asset sale without triggering built-in gain (BIG) taxes.

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  • Fair game – How the fair value option changes the accounting playing field

    Summer 2008
    Newsletter: Community Banking Advisor

    Price: $225.00, Subscriber Price: $157.50

    Word count: 584

    Abstract: As part of its march toward fair value accounting, the Financial Accounting Standards Board (FASB) recently finalized Statement of Financial Accounting Standards (SFAS) No. 159, The Fair Value Option for Financial Assets and Financial Liabilities, which applies to fiscal years starting after Nov. 15, 2007. Banks now have the option to measure certain financial instruments at fair value.

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