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 [...]
The day is coming - December 31, 2021. That is the deadline for Current Expected Credit Loss (CECL) to be implemented for privately held community banks. As we broach this topic with bankers, there seems to be two options that are available. At the end of this paper, we’ll provide a third option that [...]
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