The FDIC has released its Summer edition of its Supervisory Insights Journal. The Summer 2017 issue of Supervisory Insights features two articles of interest to examiners, bankers, and supervisors.
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There is a flood of economic indicators that one can evaluate with new data being released almost daily. There are national and state governmental agencies dedicated solely to analyzing and forecasting economic conditions and trends and a host of private firms that do the same thing. But what IS the state of the U.S. economy?
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Since the financial crisis of the last decade and what has become known as the “Great Recession”, there has been much debate and finger pointing in terms of the underlying cause and what could have been done differently. Some of it is myth, mystery, and urban legend as speculation continues to attempt to pinpoint the […]
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Evaluating redlining risk can take a number of forms and methods. In a recent webinar by the FDIC, the agency reaffirmed and provided more detail about a bank’s “REMA”, or Reasonably Expected Market Area.
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The FDIC held a meeting of the Advisory Committee on Community Banking on Wednesday, July 12.
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The Fed has increased interest rates 3 times now since December of 2015 resulting in an increase in the Fed Funds Rate of 75 basis points. As rates have been low for a long period of time, the spread between a bank’s cost of funds and the interest rates charged on loans has been […]
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A recent economic report from the New York Federal Reserve indicates that loan payment delinquencies for household debt reflected increases in the first quarter of 2017.
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The Bureau of Labor Statistics has published an interesting study forecasting the future of the U.S. labor force over the next 50 years.
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The FDIC reported that net income of commercial banks and savings institutions increased by over 12% or $5 billon from the previous year. The increase was attributable to increases in both net interest income and non-interest income. Over one-half of the nation’s insured institutions reported year-over- year increases.
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For decades, banks and those of us who have been involved with regulatory compliance have objected to subjectivity that makes managing compliance matters difficult.
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