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February 18, 2016

By: Mike Detrow, Senior Consultant and Manager of IT Financial institutions have begun the process of completing the Cybersecurity Assessment Tool provided by the FFIEC and some are struggling to complete it accurately. In this article, I will discuss the process for using the tool, as well as some of our observations from the review...

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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