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Stress Testing Myths and Realities

Stress Testing Myths and Realities There are four misconceptions about stress testing that plague the community bank market, Invictus Consulting Group’s senior partner Adam Mustafa said on a KPN webinar this month. The myths: It’s required for all banks. It’s primarily an ERM exercise. It’s ...
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/ Archive, Article, Intel, July 2014

Lessons from a Community Bank Turnaround: Capital is King

Lessons from a Community Bank Turnaround: Capital is King This is the story of how a Seattle community bank on the brink of failure in 2009 turned itself around, went public despite the odds, and is now positioned for growth. HomeStreet Bank’s five-year odyssey offers ...
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/ Archive, Article, Intel, July 2014

How Stress Testing Strengthens CAMELS

How Stress Testing Strengthens CAMELS A Client’s Perspective After Community First Bank’s last safety and soundness exam, regulators told CEO Charles W. Daily that capital stress testing had strengthened the bank’s management rating in its CAMELS composite score.  The examiner was “especially impressed that we’re ...
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/ Archive, Article, Intel, July 2014

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 ...
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/ 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 ...
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/ 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 ...
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/ 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 ...
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/ 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 ...
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/ 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 ...
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/ 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 ...
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/ Archive, Article, Intel, May 2014