Safety & Soundness articles

Bracing Your Balance Sheet

From loans to deposits to investment portfolios, it’s time to prepare for rising interest rates By Wade Oliver The FDIC defines interest rate risk as the potential for changes in interest rates to reduce a bank’s earnings or economic value. Too much interest rate risk can leave capital and earnings vulnerable, subjecting a bank to

Dodging the Basel Bullet

Planning under the new capital rules should start now for 2015 By Howard Schneider The great majority of community banks won’t be significantly affected by the final Basel III minimum capital rules adopted by U.S. regulators this summer, thanks mostly to effective industry advocacy by ICBA and its members. Community bankers submitted most of the

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