| A Community Bank Director Advisor | Issue #17 - November 2008 |
|
Our Annual Directors Conference was held this past week, and we had record attendance. A strong message was reinforced by virtually all speakers that if your bank is a CAMELS 1, 2, or 3 that you should apply for the Treasury low-cost capital program. Your application does not require you to take the capital, but provides your bank that option. The application deadline for public banks is November 14. Privately-held and S-Corp banks are not currently eligible for the program as written, but Treasury is working to revise the program to include these banks. If you haven't registered for the Annual Conference for Bank President's & Directors Conference in March, our early-bird deadline is in December. Despite the turmoil in the marketplace, we still expect a good turnout. As we enter the Thanksgiving season, let’s remember to be thankful for the contribution that community banks make in communities throughout our Nation. Nancy
E. Sheppard Managing
Liquidity in Uncertain Times Liquidity is a funny thing for community bankers. Have too much and profit can be reduced or interest rate risk can increase. Have too little and the situation can be even worse, as recent conditions demonstrate. <read more> The
“Burn Down” Analysis and Bank Capital During the past few months, we’ve witnessed record bailouts, failures, and the advent of the latest troubled asset relief program (“TARP”). The events that we’ve recently experienced and continue to work through will most certainly change the landscape of our industry for years to come. While these recent events have altered the future of our industry, another key item in 2008 – that is likely here to stick for a while – has been the re-emergence of the “burn down” analysis. <read more> Increase Core Deposits, Minimize Marginal Cost of Funding If your bank’s strategy for generating core deposits is primarily based on offering the highest rates, then it’s probably undervaluing its services and escalating the marginal cost of funding. Learn best practices for driving the highest deposit volume at the lowest cost. <read more> Change
is Coming – Even in the Area of Consumer Compliance!
The current economic crisis has most certainly been one of the most dramatic events in recent memory. There can be no doubt that economic concerns will have a profound impact on the upcoming presidential election, the overall structure of our economy and the way business is transacted in our nation. In the banking industry, there can be no doubt that the current regulatory scheme will see significant change over the next few years. <read more> Throwing a TARP (Troubled
Asset Relief Program) Over It The government proposes throwing a TARP (Troubled Asset Relief Program) at the economy. While the finger pointing continues here are some ideas you can use to help get your bank through the fallout. Look to your experience and expertise to start. <read more> |
||
|
Click here to explore the WIB Article Archives Click here to view an electronic version of the latest issue |
|||
Take advantage of another valuable resource from WIB - the
WIB Article Archives! You'll find a variety of
articles on Directors Issues,
as well as other important topics!