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We are fortunate enough to work with many community banks in several states.
We would like to relay an interesting conversation we had with a banker from late July.
We hear many times throughout any given month that loan competition is really tough and that is why loan offering rates are staying low.
Have you been in this situation before? The examiners recently came in for a review and left you with some recommendation that says that you should set reasonable policy limits on your income simulation results calculated by your interest rate risk model
The word of the day is “Liquidity.”
Fear is a great motivator
Does your model provide you with the most accurate picture of your balance sheet?
Balance sheet management has always been difficult but never more so than in today’s extended low rate environment.
We have added a new report to the Executive Summary of the BancPath report.
The report looks at ratios examiners commonly compare to certain guidelines or benchmarks.
Regulators, at times, can be focused on locating those “red flags” within your financials that can identify an area of concern on your balance sheet.
AMG provides ALM consulting services and reports to community banks in 22 states
The days are getting shorter, the nights are getting cooler, and the leaves are changing color.
Recently, we discussed the growing importance of not only developing institutionally relevant assumptions derived from your bank’s own historical data
Since March 31, 2015, the 10-year Treasury has moved from 1.934 percent to 2.478 percent on June 10, 2015
Do you have questions about how the new Basel III rules are going to affect your bank? You’re not alone.
Banking regulators seem to be increasingly focused on liquidity
Model assumptions are the most important factor relating to accuracy and meaningful IRR analysis in any Asset/Liability report.
Bankers live by the old 3-6-3 rule. Pay 3 on deposits, charge 6 on loans, and be on the golf course by 3 o'clock
I have heard that tired old joke more times than I can count.
Optimism among bankers is slowly increasing, as a steeper yield curve and gradually thawing loan markets give a glimmer of hope for net interest margins
One of the first arguments against community financial institutions using interest rate swaps (usually made by those offering an alternative product) is that hedge accounting is too complex.
