CRE Stress Testing is widely viewed by bankers and bank regulators as a valuable risk management tool that will assist management and the board of directors with its efforts to...
CRE Stress Testing is widely viewed by bankers and bank regulators as a valuable risk management tool that will assist management and the board of directors with its efforts to...
By: Robert Viering, Director of Lending On January 28, 2020, the FDIC published Financial Institution Letter (FIL-5-2020) Advisory: Prudent Management of Agricultural Lending During Economic Cycles. It’s a good summary...
By: Kyle Curtis, Director of Lending Services The OCC, Board, and FDIC adopted a final rule to amend the regulations requiring appraisals of real estate for residential real estate transactions....
By: Bryan Fetty, Senior Consultant There are a few common findings that we note when conducting Interest Rate Risk Reviews for clients that are easily remedied and require very little...
The OCC, Federal Reserve Board, and FDIC (collectively, the agencies) jointly issued a notice of proposed rulemaking titled Real Estate Appraisals, dated December 7, 2018 which was published in the...
By: Robert Viering, Senior Consultant & Lending Department Manager In our loan review practice we have seen an overall deterioration in farm financial results. However, we have noted that there...
By: Kyle Curtis, Senior Consultant The OCC, Federal Reserve Board, and FDIC (collectively, the agencies) have adopted a final rule to amend the agencies’ regulations requiring appraisals of real estate...
By: Jerry Sutherin, President & CEO, Young & Associates, Inc. On January 31, 2018, I was fortunate to have the opportunity to purchase Young & Associates, Inc. from Mr. Gary...
By: Tommy Troyer, Executive Vice President Concentrations of credit are certainly not a new risk for community banks, but for many banks they are an increasing challenge. While effective concentration...
By: Tommy Troyer, Executive Vice President I have been writing about CECL in this newsletter and providing CECL educational programs to community banks for several years. The overall theme I’ve...