All Eyes Are On The Yield Curve

July 17, 2018 - 6 min read

This will not be an economic treatise on the current shape of the yield curve, nor on the prognosis nor probability of a recession.  There have been more than enough articles written in recent months (and more surely to come) opining on the continued flattening of the curve as short rates have moved higher with…

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ProBank Austin Advisor

July 2, 2018 - 1 min read

The risks of an expanding trade war is overwhelming the economic fundamentals Investors are paying attention to the economic data but are focused on the looming trade war. Stock prices have been declining and bond prices have been rising as capital flows from stocks into bonds. The imposition of tariffs will result in slower economic…

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ProBank Austin Advisor

June 25, 2018 - 2 min read

The yield curve flattened further last week as the risk of a spreading trade war is driving prices The economic data continues to come in above expectations and well above the level of the first quarter. None of this data is driving financial markets. Investors are more concerned about the escalating trade war that has…

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Using a Closing Disclosure to Reset Tolerance

June 1, 2018 - 1 min read

(CFPB Revises TRID to Remove the “Black Hole”) Effective June 1, 2018 The Truth-in-Lending/RESPA integrated disclosure (TRID) rule requires creditors to provide consumers with good faith estimates of the loan terms and closing costs on a Loan Estimate. Under the rule, an estimated closing cost is disclosed in good faith if the charge paid by…

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Lenders’ Leased Fee Risk

February 15, 2018 - 1 min read

Submitted by Ann Scott, February 15, 2018 Mattress Firm announced the closure of 200 stores in late 2017. Substituting “local” lease terms into those properties will weaken those properties’ cash flow and potentially leave lenders short on debt service coverage. Collateral value may also suffer, further increasing lender risk. As lenders assess their portfolio position…

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ProBank Austin’s Crystal Lloyd Earns American Bankers Association’s CAFP Certification

December 4, 2017 - 1 min read

ProBank Austin announced today that Crystal Lloyd, Vice President-Compliance Division, has become the company’s first Certified AML and Fraud Professional (CAFP). The Certified AML and Fraud Professional (CAFP) designation is awarded to those whom have demonstrated proven knowledge in program design and governance, regulatory requirements, detection, prevention, and reporting, and understanding of existing and emerging…

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The Board’s Vital Role in Leading

June 27, 2017 - 1 min read

We have all heard this mantra time and again. “The board is responsible for safely directing the business and affairs of the institution in the best interest of shareholders, customers, the community, and in accord with the law.” Read more… Contact Vince via email or phone, at 502-479-5238.    

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CECL: One Year Later

June 13, 2017 - 1 min read

One year ago, on June 16, 2016, the Financial Accounting Standards Board issued ASU No. 2016-13 “Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments”, which introduced the current expected credit loss methodology for establishing allowances for credit losses.  In the banking industry we have come to know this now by “CECL”. …

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The Changing Role of the Compensation Committee of the Board of Directors in Community Banks

April 12, 2016 - 1 min read

Introduction. Traditionally, most executive compensation decisions have been handled at the December meeting of the board of directors, and these decisions were based on limited information and the board’s subjective judgment. However, executive compensation has become more complex. The passage of the FDIC Improvement Act of 1991 (FDICIA), Dodd-Frank Wall Street Reform Consumer Protection Act,…

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Working the Appraisal

April 4, 2016 - 1 min read

– and Playing the Numbers If loan underwriting and cash flow analysis are the main course of a loan, appraisals are typically considered a part of the appetizer. Actually, they’re the burgundy to the beef, the Alfredo to the fettucine, the mint to the julep. It’s up to the appraisal reviewer to take a close…

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