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.
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.
WIB President & CEO
Liquidity in Uncertain Times
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
“Burn Down” Analysis and Bank Capital
Ramsey Gregg, Keefe Bruyette & Woods
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.
Increase Core Deposits, Minimize Marginal Cost of Funding
Alan Smith, BancIntelligence
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.
is Coming – Even in the Area of Consumer Compliance!
James DeFrantz, BankVision
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
Throwing a TARP (Troubled
Asset Relief Program) Over It
Joseph Wheeler, Plansmith
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.