We hope you are having a great start to December and the holiday season. We know it is the end of the year and you are busy. December usually represents a great time to take some off of next year’s plate. Are there audits coming that you need to get buttoned down? Is it time [...]
The FDIC has finally unveiled the community bank leverage ratio. This will have a significant impact on capital requirements for community banks if they choose to opt in. If you need help understanding how this new ratio will affect your bank, don’t hesitate to call! Farm income is down, and farming bankruptcies are on the [...]
We hope everyone is having a great start to their Thanksgiving week! While we’re thankful for a great economy right now, storm clouds are gathering as you can see from this week’s news. Interest rate changes have huge effects on how community banks conduct business. A flattening yield curve is one of the surefire triggers [...]
The news this week has been interesting as the Fed reactions to mid-term elections, and markets adjust to the Fed’s stance on the plan to raise rates at a steady rate. Gold and other commodities are being affected by the Fed’s positions. Our last article this month is very interesting. Australia is enjoying a 27-year [...]
Interest rate hikes are still the topic du jour of the moment. It seems like everyone has a different opinion of just how the Fed should modify rates over the next year or two. These interest rate changes could have a huge impact to your bank’s balance sheet. It’s important for your bank’s ALCO to [...]
We hope everyone had a great Halloween. As usual, we wanted to bring together some key articles that evaluate what is going on in our banking environment right now. It’s our belief that the tea leaves are pointing toward a recession in the near future, and news articles are supporting this statement. We’re not trying [...]
The big news this week is the raise in interest rates by the Fed. Here's some information you need to know: Fed keeps its long-run forecast for economic growth unchanged at 1.8% (source) The central bank updated its economic outlook on Wednesday, after the Federal Open Market Committee announced a quarter point hike in [...]
Here's the information you need to know from key articles and news reports for the week of August 3oth, 2018. Fed gives Deutsche Bank, others extension on “living will” submissions (source) The resolution plans, commonly known as living wills, require large banks to detail how they could be unwound in cases of bankruptcy without disrupting [...]
Here's the information you need to know from key articles and news reports for the week of August 23rd, 2018. TREASURIES OUTLOOK – Fed minutes boost expectations of 2 more 2018 rate hikes (source) Futures traders priced in a slightly higher chance that the FED will increase interest rates 2 more times this year, after [...]
Healthy banking conditions exist right now — low unemployment, a good economy, and customers looking to make capital investment moves in their lives. At some point, the risks on the horizon will get closer. A flattening yield curve and rising short-term interest rates point to exactly that. The trough of the last recession was June [...]
