CBA
Showing 129–144 of 255 results
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BANK Wire – Guidance issued on regulatory capital rules
Fall 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 426
Abstract: This issue’s “BANK Wire” reports on new guidance about the regulatory capital rules, the FASB’s new credit impairment model and auditor-independence requirements for banks.
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When push comes to shove – Maximizing your bank’s noninterest income
Fall 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 684
Abstract: Small interest margins have put a squeeze on the bottom line for some banks. Maximizing a bank’s noninterest income may be the difference between a profitable year and a lackluster one. This article discusses common sources of noninterest income, the fine-tuning of the collections function, and how banking relationships and competitors come into play.
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CFPB: What customers are complaining about
Fall 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 500
Abstract: The Consumer Financial Protection Bureau recently published its Consumer Response Annual Report, which discusses consumer complaints received in 2014. This article explores trends revealed in the report, providing valuable insights into where banks’ potential compliance risks lie.
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What’s your plan for managing interest rate risk?
Fall 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 837
Abstract: Federal regulators have traditionally warned banks about the dangers of interest rate risk (IRR). Today, with interest rates potentially poised to rise, it’s critical that banks have a robust program for managing IRR. Assessing banks’ IRR, designing an IRR management program and avoiding management pitfalls are among the topics discussed in this article. A sidebar highlights four common IRR sources.
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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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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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BANK Wire – FDIC gives insight into exam trends
Winter 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 416
Abstract: In this issue, “BANK Wire” discusses a recent article in an FDIC publication that describes some of the categories deemed to be “matters requiring board attention.” It also looks at recent actions taken by the CFPB against two banks that respectively violated the new mortgage servicing rules and deceptively advertised free checking accounts. The feature concludes with a recent survey that addresses banks’ adoption of cloud computing.
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When can you restore a loan to accrual status?
Winter 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 671
Abstract: In the years following the recession, many community bankers faced unfamiliar accounting challenges. For example, they had to determine whether to place poor-performing loans on nonaccrual status or to classify arrangements with struggling borrowers as troubled debt restructurings. Now, as the economy continues to improve, they face making new accounting decisions, including whether to return a nonaccrual loan to accrual status. This article provides a brief review of the criteria to consider in making this determination.
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Business plans can provide vital information on your borrowers
Winter 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 572
Abstract: Business plans provide investors and lenders with an assessment of a business’s current operations, as well as its game plan for the future. They can help lenders gauge whether a borrowers’ business goals are doable. This article lists six components of a complete plan and explains how lenders can make use of the information these components provide to assess whether a borrower’s plan appears realistic.
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Playing it safe – Are there holes in your online-banking security controls?
Winter 2015
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 843
Abstract: While most banks have taken steps to secure their systems against hackers and other external threats, many remain vulnerable to one of the most common fraud techniques: compromising customers’ login credentials to obtain unauthorized access to their online accounts. This article notes that many traditional protections have lost effectiveness, but describes some extra precautions banks can take to protect themselves and their customers. In emphasizing the importance of this matter, a sidebar notes two recent studies that attempt to quantify the potential losses stemming from data breaches.