Latest Content

THE CEO CORNER – How to Get a Green Light on Your Future Plans

THE CEO CORNER – How to Get a Green Light on Your Future Plans A large “capital war chest” may not be enough to gain regulatory approval to move forward on a planned merger or acquisition – or even just a strategic plan. We have ...
Read More
/ Archive, Article, Intel, June 2014

FDIC Wake-up Call: No More Regulatory Carve-Outs for Community Banks

FDIC Wake-up Call: No More Regulatory Carve-Outs for Community Banks A special Read Between the Lines report Community banks have gone too far in asking for special exceptions from bank regulation, according to Federal Deposit Insurance Corp. Vice Chairman Thomas Hoenig. And that signals a ...
Read More
/ Archive, Article, Intel, June 2014

Takeaways from the FDIC Speech

Takeaways from the FDIC Speech By Thomas P. Rideout FDIC Vice Chairman Thomas Hoenig’s address to the North Carolina Bankers Association Convention offers several opportunities for community banks. While community banks have traditionally been able to position themselves among their legislators and regulators as institutions ...
Read More
/ Archive, Article, Intel, June 2014

Read Between the Lines June 2014

Read Between the Lines Each month Bank Insights reviews news from regulators and others to give perspective on regulatory challenges. OCC to Focus on Strategic Planning, Interest Rate Risk Expect your OCC examiner to pay attention to the adequacy of your bank’s strategic, capital and ...
Read More
/ Archive, Article, Intel, June 2014

How to Spot the Risks in Your Investment Portfolio

How to Spot the Risks in Your Investment Portfolio By Leonard J. DeRoma Understanding the risks in an investment portfolio may not be second nature to most community banks. Lending officers are trained in credit analysis, not bond performance. To know the risks, you must ...
Read More
/ Archive, Article, Intel, May 2014

From Stress Testing to M&A, Financial Innovator Revamps Analytics

From Stress Testing to M&A, Financial Innovator Revamps Analytics By Lisa Getter When bank regulators referred to FreeCapital™ at a bank conference earlier this year, no one in the audience was confused. That’s because Invictus Consulting Group, which introduced the metric, has been at the ...
Read More
/ Archive, Article, Intel, May 2014

Read Between the Lines May 2014

Read Between the Lines Each month Bank Insights reviews news from regulators and others to give perspective on regulatory challenges. Board Input Essential to Strategic Planning Low interest rates and diminished loan demand are prompting many community banks to revise their strategies and business models ...
Read More
/ Archive, Article, Intel, May 2014

Lessons from the Fed’s Stress Tests

Lessons from the Fed’s Stress Tests By Adam Mustafa, Invictus Partner The Federal Reserve’s CCAR 2014 proved that the regulators mean business. Next up are those banks with between $10 billion and $50 billion in total assets. Many of these so-called Dodd-Frank banks are going ...
Read More
/ April 2014, Archive, Article, Intel

Invictus Stress Test Analysis Shows Leverage Ratio Trouble for 10% of Banks

Invictus Stress Test Analysis Shows Leverage Ratio Trouble for 10% of Banks Don’t be surprised if at least one Dodd-Frank bank fails the upcoming stress tests out right and a handful of others come under pressure from regulators with post-stress leverage ratios of 4 percent ...
Read More
/ April 2014, Archive, Article, Intel

ALLL Impact Still Uncertain: Credit Loss Model Changes Debated

ALLL Impact Still Uncertain: Credit Loss Model Changes Debated By Steve Schick and Chris Ritter In the wake of the recession, the Financial Accounting Standards Board (FASB) and the International Accounting Standards Board (IASB) began working with the financial world to address concerns around the ...
Read More
/ April 2014, Archive, Article, Intel