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Banking Newsletter Articles

November 2012
Volume 3 Issue 4

  • Getting loan presentations right the first time

    The key to clear, complete and concise commercial loan presentations is beginning with the end in mind, says Gary Welsh, Banking Services Manager at Condley & Company, a leading bank advisory and full service accounting firm. In Part 1 of this guest column, Welsh elaborates on the concept and how to evaluate your current commercial … Read More >

September 2012
Volume 3 Issue 3

  • Monitoring Vendor Risk Management

    Do you closely monitor your vendors? Do your vendor risk management practices keep up with the changes in vendor operations? Vendor risks are constantly evolving and banks need to make sure their management programs are evolving with them. This requires taking a closer look at the vendor and how they operate. It’s important to consider … Read More >

  • Pros and Cons of Strategic Mergers

    While the recent economic tornado destroyed businesses and institutions all over the country, it’s no secret community banks were among the hardest hit. Many small banks have turned toward strategic mergers as a way of enhancing shareholder value and creating a more saleable franchise. Strategic mergers often include two institutions of different size and strengths … Read More >

  • More Banks Deregistering from SEC

    The recent passing of the Jumpstart Our Business Startups Act (JOBS Act) caused a shift in the registration of the Securities and Exchange Commission. As of May 29, 2012, 61 banks filed to “deregister” their common stop and suspend securities reporting requirements. According to SNL Financial, more banks have “deregistered” in this quarter than in … Read More >

June 2012
Volume 3 Issue 2

  • IRR Management Advisory Update

    Since the release of the 2010 Advisory on Interest Rate Risk Management, the Federal Financial Institutions Examination Council (FFIEC) has received numerous questions on several key issues mentioned in the guidance. In January, 2012, the FFIEC released a response to the Frequently Asked Questions (FAQs), hoping to clear up some of the confusion. The following … Read More >

  • A Glimmer of Hope for the Texas Economy

    Texas is beginning to separate itself from the struggling U.S. economy as a recent report shows a strengthening financial system in the Lonestar State. Texas Comptroller of Public Accounts, Susan Combs, recently traveled across Texas to discuss the state of the economy as well as fiscal challenges Texas can expect to face in the future. … Read More >

  • The Collateral Analysis: 5 Keys To Help Manage Prudential Regulatory Expectations

    Meeting with the CEO of an East Texas community bank, I was discussing how the pendulum had swung in recent Safety and Soundness exams with the prudential regulators relative to changes encompassed in the Interagency Appraisal and Evaluation Guidelines among other regulatory changes. We realized that once again we had come full circle – back … Read More >