|
|
All
Eyes on the Margin
By Chris Bledsoe, Bankers Dashboard
Net interest margin is the greatest
source behind 90% of the bank’s earnings stream – do you
know what’s driving it? Learn what questions to ask and what
trends to watch to drive the direction of this key performance
ratio. <read more>
Regulators
Push Director BSA Responsibilities
By
Kathlyn L. Farrell, Sheshunoff Management Services
Is
BSA compliance still a hot topic? In 2007 bank regulators
issued 43 formal enforcement actions related to BSA/AML
compliance. These actions cited board BSA management failure
and assigned the board specific responsibilities to correct
violations. What exactly are a board’s responsibilities in
BSA oversight? <read more>
Weathering
the Capital Storm
By John Stuart, Reitner, Stuart & Moore
As
we enter an apparent change in the credit cycle many current
bank directors have not had to manage a capital maintenance or
augmentation program. The article explores the pitfalls and
regulatory risks that directors may experience in this
economic and regulatory climate, including the whys and why
nots of stock repurchases, the crash of the trust preferred
markets, private placements and rights offerings, and how to
deal with white knights.
<read
more>
Past
vs. Present: The New Fair Value Standard
By Jim
Pulsipher, Grant Thornton LLP
The issue of fair value has been a hot topic for
years and the movement toward fair value reporting continues.
As of Jan. 1, 2008, banks are required to implement the “new
fair value standard” (Statement 157, Fair Value
Measurements) with their first-quarter reports. This
standard will impact banks’ processes, controls and
disclosures relating to those fair value measurements.
<read
more>
Preparation and Planning
for the Next Wave of Franchise Expansion
By
Arp D. Trivedi, DEI Corporation
According to SNL’s latest data, banks with less than $500M in assets have fared much better than their bigger siblings. Given this edge, encourage your management team to analyze and simulate market moves with an eye to the long view. Don’t rest on your laurels, letting others gain market share!
<read more>
Establish
a Code of Conduct
By Scott Byorum, Nationwide Real Estate Tax Service,
Inc.
Most
publicly scrutinized institutions establish a formal Code of
Ethics for all of their employees to follow in order to ensure
sound and safe business practices and to reassure investors
and the public of honest dealings. In addition to this, the
board of directors should establish their own set of rules on
how they will conduct themselves as individuals that
compliment the bank’s Code of Ethics. <read more>
|
