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February 18, 2016

By: Bill Elliott, CRCM, Senior Consultant and Manager of Compliance When I was working in a bank, we had a conference room available for meetings for up to about 10 people. As with most institutions, there was always a battle regarding who could use the room when, as there was only the one room for...

February 18, 2016

By: Steve Clinton, President, Capital Market Securities, Inc. We are now approaching seven years since the Great Recession. While the economic recovery has been slow, it has lasted much longer than a typical recovery. The average recovery, since the end of World War II, had been 58 months. The longest recovery on record was the...

February 18, 2016

By: Gary J. Young, President and CEO The need for community banks to complete a Capital Plan has intensified since the Office of the Comptroller of the Currency issued guidance which closely corresponds with the manner in which the FDIC and Federal Reserve assess capital adequacy according to information in their examiner’s handbook. The concept...

February 18, 2016

By: Tommy Troyer, Senior Consultant and Loan Review Manager Over the last several months, it has become increasingly difficult to miss the fact that the federal regulatory agencies (the FDIC, Federal Reserve, and OCC) believe that credit risk is on the rise across the banking industry and particularly within Commercial Real Estate (CRE) portfolios. While...

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