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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

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 ...
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/ 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 ...
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/ 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 ...
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/ April 2014, Archive, Article, Intel

Read Between the Lines April 2014

Read Between the Lines Each month Bank Insights reviews news from regulators and others to give perspective on regulatory challenges. Expect Examiner Focus to Remain Strong Comptroller of the Currency Thomas J. Curry told an OCC-Boston University conference that the “cornerstone of a healthy financial ...
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/ April 2014, Archive, Article, Intel

Read Between the Lines March 2014

Read Between the Lines Each month Bank Insights reviews news from regulators and others to give perspective on regulatory challenges. Fed to Disclose Bank Application Details The Federal Reserve will start publishing a semi-annual report with statistics on how long it takes to process acquisition ...
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/ Archive, Article, Intel, March 2014

Bank Directors Expected to Know Bank’s Risk Appetite, Challenge Management

Bank Directors Expected to Know Bank’s Risk Appetite, Challenge Management Community banks should read carefully the OCC’s latest proposal to hold directors at large banks more accountable for risk management. While the proposed rule is aimed at banks with assets of $50 billion or more, ...
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/ Archive, Article, Intel, March 2014

How Stress Testing Is Helping A Troubled Bank Look To The Future

How Stress Testing Is Helping A Troubled Bank Look To The Future A Client’s Perspective When MBank CEO Jef Baker took over the troubled bank in 2011, there was a 95 percent chance that the Oregon-based bank would fail. But Baker isn’t your ordinary turnaround ...
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/ Archive, Article, Intel, March 2014