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FDIC FYI
April 25, 2002 |
Refinancing Waves Alter the Landscape for Mortgage Specialists The current interest rate environment affords institutions the opportunity to correct material asset/liability mismatches before the rate cycle turns and risk reduction strategies become less effective or more expensive to execute...   |
Bank Director
1st Quarter 2011
Jack Milligan |
In the Eye of the Storm Former Comptroller of the Currency John C. Dugan speaks candidly about the financial crisis of 2008, the landmark Dodd-Frank Act and the need for minimum loan underwriting standards for the banking industry. |
FDIC FYI
March 13, 2002 |
Banks and Thrifts Post Record Earnings, Insurance Funds Slide Full-year 2001 financial data for all FDIC-insured institutions, released today in the Quarterly Banking Profile, depict record bank and thrift earnings even as the reserve ratios of the FDIC insurance funds continue to slide... |
CFO
April 1, 2011
Vincent Ryan |
The Big Fail Despite the reach of Dodd-Frank, the "too-big-to-fail" bank dilemma lives on. |
U.S. Banker
February 2009
Anthony Malakian |
Community Banks Paying for Bigger Brothers' Sins Community bankers have many reasons to be pessimistic about 2009, including the added pressure of the Federal Deposit Insurance Corporation raising the risk-based assessment rates in order to restore the Deposit Insurance Fund. |
National Real Estate Investor
May 1, 2008
Ben Johnson |
Regulators Turn Up Heat On Local Banks Community and mid-size banks, which comprise the bulk of all commercial real estate lending in this country, are once again under the watchful eye of regulators. |
OCC Bulletin
February 20, 2001 |
Bank Secrecy Act/Anti-Money-Laundering The attached guidance was issued to help U.S. financial institutions avoid transactions that may involve the proceeds of foreign official corruption. |
Bank Director
1st Quarter 2011
Jack Millligan |
Is the Community Bank Business Model Broken? The concept of community banking is still viable, but the model that many small institutions employ has to change. |
OCC Bulletin
August 11, 2003 |
Liquidity Risk Interagency Advisory on the Use Of the Federal Reserve's Primary Credit Program in Effective Liquidity Management |
FDIC FYI
April 11, 2002 |
Economic Conditions and Emerging Risks in Banking The report describes recent signs of a consumer-led recovery in the U.S. economy that may have begun in the first quarter... |
OCC Bulletin
January 31, 2001 |
Subprime Lending While the OCC believes that responsible subprime lending can expand credit access for consumers and offer attractive returns for bankers, during recent years institutions engaged in subprime programs have represented a disproportionate number of problem institutions... |
National Real Estate Investor
March 1, 2006
John B. Levy |
A Shot Across The Bow Investors in loans on commercial real estate -- insurance companies, pension funds and Wall Street firms -- continued competing for business in January, squeezing spreads between interest rates on commercial mortgages and rates on Treasuries. |
Bank Systems & Technology
June 18, 2009
Maria Bruno-Britz |
The Financial Industry Reacts to Obama Regulatory Proposal Although most agree with the general principles outlined in the President's financial reform plan, they find several sticking points -- and IT won't be immune. |
The Motley Fool
November 22, 2011
Matt Cropp |
In Pictures: Banks vs. Credit Unions in the Financial Crisis Credit union advocates argue that their financial institutions rode out the financial crisis better than commercial banks. Are their claims backed up by the numbers? |
OCC Bulletin
September 28, 1999 |
Risk-Based Capital: Joint Statement As part of their efforts to foster readiness for year 2000, the Federal banking agencies have issued guidance to banking organizations calling for the development of contingency plans to address funding, liquidity, and other issues. |
OCC Bulletin
May 17, 2002 |
Interagency Advisory Interagency advisory on the regulatory capital treatment of accrued interest receivable related to credit card securitizations... |
OCC Bulletin
July 12, 1999 |
Year 2000 FDIC Asset Liability Backup Program FDIC's interim final rule dealing with the backup of limited deposit and loan account information. The rule only applies to insured depository institutions with "needs improvement" and "unsatisfactory" Year 2000 ratings on or after July 31, 1999. |
The Motley Fool
September 21, 2009
Morgan Housel |
How Bad Are These Bank Failures? Let's take a look at the coming wave of bank failures compared to other banking meltdowns. |
OCC Bulletin
February 24, 2003 |
Mortgage Banking The purpose of this advisory is to highlight concerns and provide guidance regarding mortgage-banking activities, primarily in the valuation and hedging of mortgage-servicing assets. |
U.S. Banker
November 2009
Kaper & Hopkins |
Dodd's Power of Persuasion Facing long odds, the Banking Committee Chairman builds support for a plan to create a prudential regulator. But would a single agency kill the dual banking system? |
The Motley Fool
March 31, 2010
Matt Koppenheffer |
More Banking Panics Are on the Way Short-term lending agreements between banks prime the system for bank runs. |
FDIC FYI
February 22, 2006
Nathan Powell |
What the Yield Curve Does (and Doesn't) Tell Us Regardless of the slope of the existing yield curve -- positive, flat, or negative -- bankers will benefit from strategies designed to cope with the uncertainty of changing interest rates. |
BusinessWeek
September 30, 2009
Theo Francis |
The FDIC's Gift to Banks The FDIC's plan to raise roughly $45 billion to help dodge a cash crunch also offers a way for financial firms to boost capital and profits. |
U.S. Banker
July 2009
John Engen |
Match Game If the investments in companies like BankUnited result in stronger franchises, it will confirm that perhaps there is a greater role for private equity in the banking industry. |
FDIC FYI
March 25, 2004 |
The Evolving Role of Commercial Banks in U.S. Credit Markets A careful analysis of U.S. financial sector data shows that banks' share of the financial services market has not shrunk to the extent that is commonly asserted. Moreover, banks have assumed leading roles in providing some of the newer types of financial services products, such as credit card securitizations and mortgage banking services. |
The Motley Fool
January 12, 2010
Alex Dumortier |
Are Bankers Swimming Naked? The interest rate tide could go out faster than expected. |
OCC Bulletin
February 28, 2005 |
Interagency Advisory The advisory reminds financial institutions of the confidential nature of an institution's report of examination, which includes the CAMELS or other supervisory rating, as well as other nonpublic supervisory information. |
Bank Director
3rd Quarter 2009
TK Kerstetter |
A Tribute to Bill Seidman Bank Director honors its late publisher, supporter, and friend, Bill Seidman, who passed away this year. |
FDIC FYI
January 14, 2003 |
Basel and the Evolution of Capital Regulation: Moving Forward, Looking Back How much capital is enough? How bank regulators have answered this question during the post World War II period has been shaped by two contending strands of thought. |
Bank Director
4th Quarter 2010
Jack Millligan |
A Short Leash on Risk Bankers all across the country are beginning to tighten up their lending practices as a response to the regulatory pressure they are under to keep lending plain, conservative, and firmly under control. |
OCC Bulletin
December 4, 2002 |
Accrued Interest Receivable This clarifies the appropriate accounting treatment for banking organizations that securitize credit card receivables and record an asset commonly referred to as an Accrued Interest Receivable. |
U.S. Banker
May 2008
Anthony Malakian |
Banks are Failing -- But It's Nothing Like the Old Days Today's bank failures have nothing on the savings-and-loan crisis of the 1980s and early 1990s. |
U.S. Banker
July 2009
Glen Fest |
Bidder Medicine While its house was burning down, BankUnited of Coral Gables, Fla., was on a deposit-gathering spree. |
U.S. Banker
August 2010
Mark W. Olson |
Endangered Species: The State Banking Charter Should state legislatures continue to see value in funding their state bank regulators, the charter in those states would continue to have viability. |
U.S. Banker
July 2009
Andrew Dubinsky |
Electronic Lending Could Help Avert Another Crisis If regulators had the tools in place to effectively view complex debt instruments and the links between the financial institutions that securitize, hold, and insure them this crisis may not have happened. |
BusinessWeek
June 18, 2009
Avinash D. Persaud |
How to Save the Financial System Regulators Redistributing risk, rather than trying to eliminate it, is the key to strengthening the world's banks. |
U.S. Banker
February 2009
Michael Sisk |
Capital Reservation The financial industry is in for a major regulatory overhaul, and one area that's getting lots of attention is capital ratios. |
National Real Estate Investor
February 1, 2007
Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns. |
Bank Director
1st Quarter 2010
John R. Engen |
M&A in 2010: The Year of the No-frill Deal There are pockets of opportunity everywhere this year, as most analysts and dealmakers agree. But you won't find anyone more risk averse than bankers these days. |
The Motley Fool
March 24, 2011
Gretchen Wilmoth |
Investing in Smaller Banking What affects will new regulations have on smaller banks? |
U.S. Banker
September 2009
Joseph Rosta |
Next to Nothing M&A activity is so slow and deals are so small that many buyers and sellers aren t even bothering to use advisors. Until the wave of failures subsides, expect more of the same. |
OCC Bulletin
June 16, 2004
Emory W. Rushton |
Certain Foreign Accounts Interagency Advisory: Guidance on accepting accounts from foreign governments, foreign embassies and foreign political figures. |
U.S. Banker
April 2009
John Engen |
The Experiment For Sheila Bair, who had taken the helm of the Federal Deposit Insurance Corp. two years earlier, the IndyMac failure was a defining moment. |
FDIC FYI
May 18, 2004 |
An Update on Emerging Issues in Banking Trends in Community Banking... The Declining Number of U.S. Banking Organizations: Will the Trend Continue?... Community Banks: Their Recent Past, Current Performance, and Future Prospects... |
OCC Bulletin
January 13, 2006 |
Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices Agencies seeking comment on proposed guidance for concentrations in commercial real estate (CRE) lending and sound risk management practices. |
FDIC FYI
January 29, 2003 |
Payday Lending Some insured depository institutions have failed to properly assess and control the risks associated with their payday lending programs. The consequences of deficiencies in risk management practices for payday lending programs can be severe. |
U.S. Banker
November 2009 |
Consolidation Will Happen, But It Will Take a While There s little debate that the industry needs to shrink, but are enough buyers out there willing and able to swallow 1,500 to 3,000 banks? |
Bank Systems & Technology
November 20, 2009
Melanie Rodier |
Bank Enforcement Cease and Desist Actions Quickly Rising The financial crisis is causing a dramatic rise in the number of cease and desist orders by bank regulators and should be a warning sign for bank managers and directors. |
CFO
November 1, 2010
Vincent Ryan |
Making Sense of Bank Reform The Dodd-Frank Act is arguably as inscrutable as the institutions and instruments it is supposed to fix. |
BusinessWeek
April 29, 2010
Keehner & Mattingly |
Taxpayers May Get a Piece of the FDIC Action If bad loans rebound, Sheila Bair's FDIC gets a portion of the profits |
