No one has a crystal ball that can predict when and how the economic fallout from the coronavirus will end. But community banks need a way to understand how their capital will fare as conditions change – and which loans they need...
Regression Depression: Uh Oh, Your Model is Wrong
COVID-19 has every bank thinking about how to modify its reserves. Some of the largest institutions have taken double-digit hits on that basis. Community banks, understandably, are uncertain about what exactly they should be...
Projecting Interest Income Needs New Approach in Pandemic Economy
COVID-19 may be as contagious economically as it is medically. Community banks, whose lifeblood is interest income, have significant exposure to companies that have been hit particularly hard. They face the question of how to...
Bankers Should Focus on Five Loan Characteristics to Assess Risk from COVID-19 Economy
Many community banks have been in touch with their borrowers to assess their financial condition during this precarious economic environment. Bankers are also segmenting their portfolios based on some of the most affected...
ZIRP, NIRP and QE(n) – Here we go again*
The unprecedented economic implications of the coronavirus has led the Federal Reserve to embark on a path that even just a few short years ago would have been completely unimaginable. The moves include a drastic cut in interest...
Free On-Demand Webinar: Why Community Banks Need Stress Testing Now More than Ever
Invictus Group CEO Adam Mustafa presented a complimentary webinar at 1 p.m. EST on Wednesday, April 15 explaining Why Community Bank CEOs Need Stress Testing Now More than Ever. This one-hour webinar will show you how to plan for...