Taylor Advisors is leading the pack when it comes to finding creative solutions designed to increase profitability and promote sustainable growth. Learn more about the waves we’re making and industry happenings in our blog.
Taylor Advisors is leading the pack when it comes to finding creative solutions designed to increase profitability and promote sustainable growth. Learn more about the waves we’re making and industry happenings in our blog.
As Financial institutions across the nation cope with market and economic challenges created by COVID-19, anticipating next steps to manage balance sheet “risks” AND improve or protect profitability is becoming increasingly more difficult. In Part 1 of our miniseries, we discussed the importance of robust stress testing, a comprehensive contingency funding plan, and anticipating potential…
In Part 1 of 4 of our miniseries, we covered specific challenges relating to liquidity during the Coronavirus pandemic. We discussed the importance of monitoring changes in the loan and deposit portfolios, a comprehensive contingency funding plan, and the importance of a robust stress test. We now turn our attention to capital, which serves as…
As Financial institutions across the nation cope with market and economic challenges impacted by COVID-19, anticipating next steps to managing balance sheet “risks” AND to improving or protecting profitability will become increasingly difficult. Not to mention heighten regulatory exams will most likely hit key ALCO areas. Capital, Asset Quality, Management, Earnings, Liquidity and Sensitivity could…
On September 17, 2019, the Regulatory Agencies adopted a final rule implementing the Community Bank Leverage Ratio (CBLR) as part of the Economic Growth, Regulatory Relief, and Consumer Protection Act. This final rule provides the opportunity for certain community banking organizations to adopt new, voluntary, capital framework that is effective 1/1/2020, with the first reporting…
Market Update Bankers track many key interest rates, but surely mortgage rates get a lot of attention, as they can have a significant impact on a community bank’s earnings and profitability. Residential mortgage loans typically represent a meaningful earning asset for many financial institutions. Additionally, an average bank investment portfolio often holds an allocation of…
Amidst the persistent rally in U.S. Treasury prices and the problematic inversion in the yield curve, loan pricing is beginning to take center stage, over deposits, as a key concern for financial institutions. Residential mortgage refinancing volumes are accelerating and commercial loan pay-offs and refinancing may pose a distinct risk to loan portfolios and earning…