Human, After All By Camden Fine So where are we all heading? Or to a more important point, what are we becoming? The answer lies in the upcoming generations.
Too-big-to-fail—telling the facts and figures By Bill Loving, Chairman of ICBA In my travels, I’ve confirmed that regardless of where you live, the lifeblood of each and every community is its community banker and his or her desire to make their community a better place to live and work. This means that, as community bankers, […]
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 […]
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 […]
On-the-ground expert insights on common pitfalls and examination expectations By Karen Epper Hoffman The more regulations change, the more compliance burdens stay the same. For community banks, this is particularly true.
Stepping back and taking stock of regulatory strengths and weaknesses By Karen Epper Hoffman In this compliance-heavy, post-financial crisis world, community banks should step back and take stock of their regulatory strengths and weaknesses. But how to begin and whom to involve? Experts weigh in.
Three community bankers sketch their steps in successfully developing and launching mobile banking apps By Tam Harbert It’s no secret that smartphones are widely used: Just look around. Statistics support our everyday observations. More than half of all Americans use a smartphone, according to the Pew Research Center.
Integrated teller and queue management systems that harness data for greater branch efficiencies By Jennifer J. Salopek Research has shown that branch transaction volumes have declined by 45 percent since 1992. Studies by Knowledge@Wharton, the industry research arm of the Wharton School of Business, have revealed that, as recently as 2011, 82 percent of consumers […]