Community Insights

Economic Outlook - May 2017

By Alan S. Blinder
Vice Chairman and Co-Founder, Promontory Interfinancial Network
Professor of Economics and Public Affairs, Princeton University

The Federal Open Market Committee met on May 2-3. To no one’s surprise, they announced no changes in policy, nor even—it appears—to the outlook for future policy. Why should they?

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Bank Executive Business Outlook Survey 2016 Q4

Promontory Interfinancial Network

If there is one word that would sum up the findings from this edition of the Bank Executive Business Outlook Survey it would be “divergence.” On the one hand, the transition to a new presidential administration and its potential impact on banking regulation and tax policy, alongside rising interest rates, are driving bankers to predict that 2017 is likely to be a very good year for banking.

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2017 Funding and Deposits Report

Promontory Interfinancial Network

The marketplace for deposits remained relatively stable throughout 2016. The small increase in the federal funds rate at the end of 2015 did raise the cost of funding, but, overall, funding costs stayed at historically low rates and most banks—money center institutions, large regional banks, and community banks—remained fairly flush with deposits.

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Bank Executive Business Outlook Survey 2016 Q3

Promontory Interfinancial Network

For those betting that the direction of the economy and the banking sector would become clearer this fall, you may need to pull out your wallets and pay up. After rising for two consecutive quarters, the Banker Confidence IndexSM (Index) dropped in the third quarter by 2 points over the 2nd quarter to 50.1—indicating that the banking sector is still cautious about its prospects over the next year.

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Bank Executive Business Outlook Survey 2016 Q2

Promontory Interfinancial Network

The second quarter of 2016 did not offer a lot of answers for bank leaders looking to assess the direction of the economy and their industry. In general, C-level bank executives expressed a degree of optimism about some of the core conditions affecting their institutions.

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Top 10 Treasury Management Solution Providers 2016

By Banking CIO Outlook

Promontory Interfinancial Network makes it to Banking CIO Outlook’s Top 10 Treasury Management Solution Providers list for its expertise offering unique services that brings thousands of banks and other institutions together in a way that helps each to benefit from "the power of many".

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Three Reasons Why More CRE Debt Investors Are Including Environmental Due Diligence in Their Pre-Purchase Reviews

By David Oldow, Chief Operating Officer, Bell Oldow

So, you have just reviewed a list of available CRE debt opportunities and have found a few keepers. Given the competitive market, you hustled to indicate interest, and you're in the running. Now it's a matter of refining your bid. So where does environmental due diligence fit in?

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Three Big Benefits of Equipment Financing and Leasing for Community Banks

By Jeff Deskins, OneWorld Business Finance

The U.S. equipment finance market grew to over $900 billion in 2014 according to the Equipment Leasing and Finance Association. This asset category doesn’t have to remain dominated by big banks and specialized lenders. There are a lot of opportunities for community banks to enter the equipment financing market and reap rewards from their existing customers at relatively little cost.

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Four Ways Commercial Evaluations Can Make Lending Faster and More Cost-Effective for Banks

By The Peak Corporate Network

In a competitive lending environment, small details can make a big difference. This article from The Peak Corporate Network looks at how banks can use commercial evaluations to increase the efficiency and effectiveness of their lending programs.

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A Three-Step Approach to Bank Data That Can Help Your Bank Exceed Its Regulatory Requirements

By Mark Shepherd, Managing Principal, Gateway Asset Management

The quality and accessibility of bank data matters more than ever. In this article, Mark Shepherd, principal of Gateway Asset Management, outlines a three-step process for how banks can increase the quality and accessibility of their data so they can meet, and even exceed, regulatory reporting requirements.

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What is the Financial Impact of BOLI on a Community Bank’s Books?

Michael Longino, President, Lynch & Associates

In the previous article, When Does Bank-Owned Life Insurance Make Sense for a Community Bank , we reviewed some of the basics of bank-owned life insurance (BOLI), including the chief benefits of investing in BOLI and the three main types of BOLI products. This article examines the impact of BOLI on a bank’s financials.

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When Does Bank-Owned Life Insurance Make Sense for a Community Bank?

By Michael Longino, President, Lynch & Associates

Much has been written about bank-owned life insurance (BOLI) and how it can be an effective investment option for banks that are looking to offset the rising costs of employee benefits and to generate tax-advantaged revenue at a time when asset growth is stagnant.

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Meeting Point: Five Reasons Why Community Banks are Considering Asset-Based Lending

By David Grende, President and CEO, Siena Lending Group

Asset-based lending (ABL) is nothing new. Banks have been offering lines of credit to businesses of a variety of sizes for decades. However, over the past several years, putting funds behind this asset type has become more popular for lenders, and we’re seeing a notable increase in the number of community banks that have either begun to use ABL or increased the use of ABL with their business customers.

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Commercial Equipment Lenders and Community Banks

By Rich Walter, Senior Managing Director, Bank Assetpoint

At a community bank conference jointly hosted by the Federal Reserve System and the Conference of State Bank Supervisors, researchers from the University of Southern Indiana recently presented findings that looked more closely at the incorporation of commercial equipment financing into community bank portfolios.