CBA
Community Banking Advisor
Showing 1–16 of 255 results
-
Bank Wire – Doing business with marijuana-related businesses: Handle with care
Fall 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 451
Abstract: This brief summary of recent developments in banking discusses the risks and rewards for banks of doing business with marijuana-related businesses, explains new interagency guidance on managing third-party risk and warns banks to avoid engaging in “digital redlining.”
-
How to manage commercial real estate risk in the post-pandemic era
Fall 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 549
Abstract: Community banks, by their very nature, tend to have higher concentrations of commercial real estate (CRE) loans than larger institutions. This article explains that any concentration in certain types of loans, borrowers or collateral exposes banks to heightened risks, so banks need to be proactive in managing CRE concentration risk. It also points out that a confluence of recent trends has elevated CRE risks for many banks.
-
Building your core deposits for the long term
Fall 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 595
Abstract: Community banks need to stay at the top of their game to maintain both stability and profitability. This article points out that banks have many technological, regulatory and digital factors to consider in the effort to stay competitive. It notes that a key factor in that effort is to focus on growing core deposits and suggests several steps banks can take to attract and sustain deposits. These include recognizing the importance of branches and developing targeted services.
-
Fraud in banks – Are you keeping occupational fraud under control?
Fall 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 847
Abstract: According to the Association of Certified Fraud Examiners (ACFE), the banking and financial services industry consistently tops the list of industries most frequently affected by occupational fraud. Among other things, this article discusses several categories of occupational fraud as well as some common fraud schemes and detection methods. A brief sidebar summarizes the antifraud controls that were most effective in terms of reducing fraud losses and duration.
-
Bank Wire – CFPB targets “junk fees”
Summer 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 443
Abstract: In this brief summary of recent developments in banking, we look at two “junk fee” practices that the Consumer Financial Protection Bureau has deemed likely to be unlawful and discuss whether banks should amend their employee retirement plans in light of recent SECURE 2.0 Act of 2022 provisions.
-
Don’t take government guarantees for granted – How to avoid jeopardizing your SBA loan guarantees
Summer 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 534
Abstract: Banks that participate in U.S. Small Business Administration (SBA) lending programs must comply with all SBA requirements and standards to ensure that the government will honor its loan guarantees. This article explains that these loans allow banks that follow prudent lending practices to expand customer base, reduce risk, boost lending capacity (the guaranteed portion of these loans doesn’t count toward a bank’s legal lending limit), and improve liquidity (the guaranteed portion can be sold on the secondary market).
-
How can financial due diligence support your loans?
Summer 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 721
Abstract: Many currently problematic loans once looked good on paper — but now, aren’t worth the paper they’re printed on! This article points out that to ensure a bank doesn’t succumb to the lure of loans that seem to be — and are — too good to be true, it’s important to have a policy of conducting proactive due diligence practices from the start. It provides several steps to take and lists some common ratios that are useful in assessing risk. The article notes that due diligence is key in helping loan portfolios remain stable and profitable over time.
-
In the wake of bank failures, expect increased scrutiny from regulators
Summer 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 863
Abstract: The failures of Silicon Valley Bank and Signature Bank and the self-liquidation of Silvergate Bank in March 2023 served as wake-up calls for banking regulators and lawmakers. Although industry experts agree that steps must be taken to avoid similar failures in the future, they disagree over whether the solution is to implement stricter banking regulations or simply to improve oversight under existing regulations. This article suggests that, whatever the answer, banks can expect regulators to watch them more closely, particularly regarding capital, liquidity and interest rate risks.
-
Bank Wire – Crypto-assets: Handle with care
Spring 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 401
Abstract: In this brief summary of current trends in banking, we look at a statement just published by the federal banking agencies on crypto-asset risks to banking organizations and highlight a recent rule that requires banks to be prepared to report computer security incidents to federal regulators quickly.
-
Strengthen your defenses – Preparing for ransomware attacks
Spring 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 649
Abstract: In the past, smaller banks might reasonably have believed that cybercriminals would leave them alone, because larger institutions offered a bigger payoff. Recently, however, the trend has reversed. This article explains that cybercriminals are now targeting small banks, which they believe lack the wherewithal to protect against these attacks and have less robust internal controls than larger institutions. It suggests some protective measures community banks can take and stresses the importance of having a plan in place to reduce risk and mitigate potential damages.
-
How to assess and deal with BSA/AML risks
Spring 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 674
Abstract: Over the past few years, many people have turned to electronic banking (e-banking). While e-banking may be convenient, it also may increase the possibility of hidden criminal behavior. This article points out that compliance with Bank Secrecy Act/Anti-Money Laundering (BSA/AML) laws and regulations is increasingly scrutinized by banking regulators. It notes that this puts banks in the middle of a potentially difficult — even dangerous — situation, unless they develop strategies to both assess and handle any related risks.
-
Should you outsource the internal audit function?
Spring 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 845
Abstract: A solid internal audit program is one of the most effective tools a bank has to inspire confidence — among directors, investors, regulators and other stakeholders — in its financial processes and reporting practices. But many banks find it makes more sense to outsource the internal audit function, in whole or in part. This article offers some factors for banks to consider when deciding whether to outsource this function. A sidebar discusses how to manage third-party risk.
-
Bank Wire – FDIC offers guidance on multiple NSF fees
Winter 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 417
Abstract: This brief summary of the latest developments in banking looks at recent FDIC guidance to address the issue of multiple NSF fees, discusses an update to the FTC Safeguards Rule and notes that financial companies and institutions that fail to safeguard consumer data may violate federal consumer financial protection laws.
-
Should community banks think about ESG initiatives?
Winter 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 602
Abstract: An increasing number of organizations — including many banks — are embracing environmental, social and governance (ESG) initiatives. Although being a good corporate citizen may be its own reward, there’s evidence that responsible ESG practices may produce ample financial benefits. This article points out that banks might benefit from evaluating the ESG impact of their activities and considering ways to incorporate ESG practices and initiatives into their operations.
-
True or false? Assess borrowers’ financial restatements
Winter 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 635
Abstract: Occasionally, business owners or financial officers may determine that the business’s financial statements need to be revised or corrected. This article explains that when borrowers provide a bank with corrected or restated financial statements, the bank needs to be vigilant and double-check the numbers. It may be that the restatements simply correct an honest mistake. Alternatively, there may be fraud involved. The article highlights the importance of investigating the underlying cause of financial restatements to stay ahead of any potential problems.
-
Monitoring and managing interest rate risk
Winter 2023
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 900
Abstract: For community banks, interest rate risk is a part of doing business, so banks need to monitor that risk and take steps to control it. This article notes that the “right” level of risk depends on several factors, including the size and complexity of a bank’s operations, as well as the sufficiency of its capital and liquidity to withstand the potential adverse impact of interest rate fluctuations. It also points out that managing interest rate risk is particularly important in light of recent rate increases.