CECL: Look Beyond the Doom and Gloom Headlines
January 28, 2019

Financial institution news articles are full of ominous warnings and worrisome predictions about CECL – the new Current Expected Credit Loss accounting and loan loss standard. We’d like to add...

2018: The Year of Anxiety and Deliberation as Talk of Inversion Reigns Supreme
January 03, 2019

What’s an Asset/Liability Committee (ALCO) to Do in Times of Uncertainty?
The prospect of an “inverted yield curve” has been a frequent topic of conversation; dominating recent headlines.  No three words...

Don't Stress Over ALM Stress Testing
December 18, 2018

The regulatory requirements in today’s world can at times seem overwhelming.  Don’t let your ALM stress testing stress you out.

While the majority of data provided to your Asset/Liability Management (ALM)...

Deposit Profitability Is Customer Profitability
December 18, 2018

If customer profitability equals deposit profitability plus loan profitability why do I focus on deposit profitability? 

Here are 3 reasons:

More of them: Banks typically have about eight deposit customers for every...

CECL- A Novel Idea
December 18, 2018

As I read through CECL, I couldn’t help but think that the FASB must be fans of the great literary classic “A Christmas Carol” by Charles Dickens. The core methodology...