The Value of BOLI: Bank or Business Owned Life Insurance

Bank or Business Owned Life Insurance allows banks and credit unions to improve earnings and create incentives for key employees without increasing... [more]

Tags: BOLI, fixed credit rating, insurance, investment rates, IZALE, return, tax yeilds

FASB Standard to Define Public Business Entity (PBE): It’s Not Just SEC Registrants

Although FASB’s accounting standards update on what constitutes a public business entity is one of the shortest standards ever issued, it’s important... [more]

Tags: Crowe Horwath, equity, FASB, Financial reporting, PBE, Public Business Entity, SEC, security, Sydney Garmong, U.S Securities

Predicting the Future Behavior of Non-Maturity Deposits

Many institutions struggle with predicting their balance sheet risk in changing rate and regulatory environments. From the in-depth aspect of... [more]

Tags: asset liability management, banking, deposits, rising rates, ZM Financial

A Strategically Focused ALCO Drives Financial Performance

With the changing economic climate and uncertainty in the industry, understanding your total risk profile and fostering a proactive decision oriented... [more]

Tags: ALCO, Darling Consulting Group, planning, risk management, strategy

Strategic Risk Management

The process of risk management is not something done for regulatory compliance, but rather for managing the opportunities that are present in the... [more]

Tags: advisory services, Dave Koch, farin, Farin Financial Risk Managment, financial management, financial services, risk management

Where to Begin: Calculating a CECL Allowance

Now is the time to put pen to paper and calculate a CECL allowance. Complexity of methodology utilized should match the complexity of the... [more]

Tags: cecl, CECL allowances, CECL implementation, compliance