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Are CRE Concentrations Still a Financial Crisis Prognosticator?
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During the Great Recession, commercial real estate (CRE) lending practices were heavily scrutinized and considered to be a leading factor of economic downturn. As a result, bank concentrations in CRE are assumed to be a strong predictor of bank failures. Over a decade later, rising bank CRE lending concentration levels accompanied by historically high CRE
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Key Takeaways From Regulators’ Recent CECL Final Policy Statement
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In late December, an interagency body of regulators closed the comment period for a set of proposed changes to the ever-evolving CECL standard. Regulators have recently come back with their responses to industry comments in the form of the “Final Policy Statement for FASB ASC Topic 326” found here: https://www.fdic.gov/news/board/2020/2020-02-20-notational-fr.pdf If you haven’t yet read
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CBLR: A win for most, but time for the rest to move on
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In November, the federal banking agencies jointly issued a final rule that provides for an optional, simplified measure of capital adequacy, known as the community bank leverage ratio framework (CBLR), for qualifying community banking organizations. The final became effective on January 1, 2020. Historically, the adequacy of bank capital has been judged based upon a
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CECL is Coming: Here’s How Bank Stakeholders Can Anticipate Its Impact While Making Their Voices Heard
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With the most sweeping re-casting of credit risk management in decades looming on the horizon, regulators, bank executives and the markets are bracing for the potential disruptive ramifications of this new set of credit loss accounting standards. In response to calls for a more cautious rollout, regulators have agreed to an implementation extension for most
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By Putting UBPR and Call Reports Under the Microscope with Qaravan, Investors and Bank Stakeholders Can Gain Meaningful Insight Far Beyond Raw Data
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The banking industry is unique in the amount of regulatory scrutiny it is subject to, much of which is in the form of self-reporting. Since legislation was passed in 1975 in response to the failure of two federally chartered institutions (United States National Bank and Franklin National Bank), every national bank, state bank, federal savings
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OTC Markets Group Top Performing Banks Report by Qaravan: 2Q 2019
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Advanced Data Analysis Helps Connect the Dots to Highlight the Nation’s Top Performing Community Banks In partnership with our parent company, OTC Markets Group, Qaravan assists stakeholders across the banking sector in simplifying, customizing and, automating the task of analyzing information from Reports of Condition and Income (Call Reports) and Uniform Bank Performance Reports
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Qaravan CECL: Featured in Great Lakes Banker Magazine
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The Genesis/Birth of CECL After the 2008 financial crisis, much of the focus on the regulation of financial institutions shifted to mitigating systemic risk. This included an increased focus on stress testing and the recapitalization of institutions—both intended to help ensure solvency and insulate the global economy from further erosion. Fast forward to 2016 and
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CECL: Unpaved Road Ahead
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The Genesis/Birth of CECL After the 2008 financial crisis, much of the focus on the regulation of financial institutions shifted to mitigating systemic risk. This included an increased focus on stress testing and the recapitalization of institutions—both intended to help ensure solvency and insulate the global economy from further erosion. Fast forward to 2016 and
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What Can Socrates Teach Us About CECL?
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Last month, I became buried in a multi-day Google binge; combing the web for things like “CECL Prep”, “CECL Requirements”, and “CECL Implementation”. I finally understand the Socratic Paradox. A few thousand years ago, during a conversation with some guy in the neighborhood, Socrates concluded that neither of the men knew anything (they were talking
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About Qaravan – A powerful performance analytics platform for community banks
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A couple of months before we launched, I began calling on some colleagues in the bank software sector to try to drum up some new partnerships. My first call was to a friend who made a pretty healthy living selling an outdated call report analysis tool (something he built around 10-15 years ago). It seemed
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