CBA
Showing 225–240 of 247 results
-
Dealing with troubled loans
Summer 2009
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 1115
Abstract: For the first time in years, banks face significant numbers of troubled loans. As you review your loan portfolio and make decisions about how to handle troubled borrowers, it’s a good idea to familiarize yourself with “troubled debt restructurings” (TDRs), which can affect your financial statements. This article discusses the red flags of a troubled loan, the difference between TDRs and other restructurings, and the accounting implications of TDRs. A sidebar offers an example of a TDR.
-
Avoiding “capital” punishment – Maintain adequate capital in today’s economy
Summer 2009
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 775
Abstract: The current financial crisis has most banks focusing on liquidity issues and credit risk. But neither can you afford to neglect capital adequacy. Without adequate capital, it’s difficult for banks to make new loans and engage in other activities that drive future growth. There are two basic approaches banks can use to address capital deficiencies. One is to raise new capital. The other is to eliminate risk. Your risk assessment should consider six major risk areas outlined by the Federal Reserve’s banking risk framework.
-
Leverage online banking to generate deposit growth
Summer 2009
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 674
Abstract: As a byproduct of the current financial downturn, more people are keeping their money in savings accounts and other investments they consider “safe.” This presents an opportunity for financially sound banks to attract new deposits. And one way to spur deposit growth is to take advantage of the Internet and other technologies that encourage people to save and make it easier for them to make deposits with your bank. But online banking also can increase your bank’s exposure to fraud, identity theft, money laundering and other risks. This article lists potential online services, along with risks to guard against.
-
6 ways to close the technology gap
Spring 2009
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 602
Abstract: Most community banks underuse their technology systems; anywhere from 40% to 85% of the typical community bank’s technology capabilities go unused. To buck the trend, all banks should review their systems and look for ways to close this technology gap.
-
Commercial real estate – De-stressing with stress testing
Spring 2009
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 977
Abstract: Headlines about the financial crisis have focused on the subprime mortgage collapse, but the impact of the crisis on the banking industry has spread to commercial real estate (CRE) lending. It’s critical that you assess your CRE risk exposure and take steps to manage those risks.
-
Why ERM? Enterprise risk management on critical upswing
Spring 2009
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 540
Abstract: More and more, enterprise risk management (ERM) is being recognized as an effective tool for banks of all sizes. And with regulators scrutinizing banks’ risk management programs, now is an ideal time to explore its benefits.
-
Uncover cash sources with cost segregation
Spring 2009
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 855
Abstract: The economic downturn has been hard on all businesses, including many community banks, so it’s important to explore all options for improving your cash flow. One tool you should consider is the cost segregation study.
-
Security interests – Is your online information protected?
Winter 2009
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 573
Abstract: As online banking continues to grow in popularity, even small banks are offering customers Web access to at least some of their products and services. But with this convenience comes an unwelcome byproduct: the threat of unauthorized access by hackers and identity thieves.
-
Audit and reporting rules toughened under FDIC plan
Winter 2009
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 622
Abstract: The FDIC says proposed amendments to its independent auditing and reporting requirements would reflect industry changes and include certain “sound audit, reporting, and audit committee practices” from the Sarbanes-Oxley Act of 2002 (SOX).
-
Checking your vitals – Use KPIs to monitor your bank’s financial health
Winter 2009
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 1061
Abstract: Banks should continually monitor their vital signs — also known as key performance indicators (KPIs). They can alert you to dangerous conditions while there’s still time to react, providing you with invaluable information you can use to boost profits.
-
Look for the silver lining – Financial crisis creates opportunities
Winter 2009
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 697
Abstract: The financial crisis has severely damaged many large banks — as well as economies around the globe. But for many community banks, this dark cloud may have a silver lining as opportunities arise for lending secured by single-family homes.
-
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.
-
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.
-
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.
-
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.
-
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.