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BLUFS + Are You Hoping for Results or Strategically Planning Your Bank’s Future?

By |2019-01-17T15:42:06+00:00January 17th, 2019|Advice, Financial, News, Trends|

Just like many businesses and organizations do, we’ve just came out of strategic planning sessions for our business year in December. One of the interesting things we came across was the difference between goal measurements. How often have you seen this? We want the bank to earn $________ in 2019. That’s great, and you should [...]

Banking Banking Lines Up Front (BLUF) – Week of January 10, 2019

By |2019-01-11T10:17:26+00:00January 10th, 2019|Financial, News, Trends|

First off, Happy New Year! We hope your bank realizes unparalleled success this year! The start of the new year brings more of the same – discussion and debate over interest rates and what the best next moves for the Fed are. Needless to say, there’s more uncertainty than there’s been in a very long [...]

Banking Banking Lines Up Front (BLUF) – Week of December 20, 2018

By |2018-12-20T14:29:49+00:00December 20th, 2018|Financial, News, Trends|

Sure enough the hammer dropped on Wednesday. The Fed raised interest rates, as we suspected. For that reason, we’ve prepped some BLUFs from just before that announcement, each of which provide some insight to what it means for the economy. The spread between the 3-month Treasury and 10-year Treasury stands at less than 40 basis [...]

Banking Banking Lines Up Front (BLUF) – Week of December 13, 2018

By |2018-12-13T09:57:24+00:00December 12th, 2018|Financial, News, Trends|

We hope you are having a great start to December and the holiday season. We aren’t going to go into full Chicken Little mode and say “the sky is falling!” Yet, if you dig for the facts in news reports – we’re likely heading for tough economic waters. Data continues to point toward “when” and [...]

Banking Banking Lines Up Front (BLUF) – Week of December 6, 2018

By |2018-12-12T09:33:48+00:00December 6th, 2018|Financial, News, Trends|

We hope you are having a great start to December and the holiday season. We know it is the end of the year and you are busy. December usually represents a great time to take some off of next year’s plate. Are there audits coming that you need to get buttoned down? Is it time [...]

Banking Banking Lines Up Front (BLUF) – Week of November 28, 2018

By |2018-11-29T10:44:18+00:00November 29th, 2018|Financial, News, Trends|

The FDIC has finally unveiled the community bank leverage ratio. This will have a significant impact on capital requirements for community banks if they choose to opt in. If you need help understanding how this new ratio will affect your bank, don’t hesitate to call! Farm income is down, and farming bankruptcies are on the [...]

Banking Banking Lines Up Front (BLUF) – Week of November 21, 2018

By |2018-11-20T19:51:32+00:00November 20th, 2018|Financial, News, Trends|

We hope everyone is having a great start to their Thanksgiving week! While we’re thankful for a great economy right now, storm clouds are gathering as you can see from this week’s news. Interest rate changes have huge effects on how community banks conduct business. A flattening yield curve is one of the surefire triggers [...]

Banking Banking Lines Up Front (BLUF) – Week of November 15, 2018

By |2018-11-15T11:02:10+00:00November 15th, 2018|Financial, News, Trends|

The news this week has been interesting as the Fed reactions to mid-term elections, and markets adjust to the Fed’s stance on the plan to raise rates at a steady rate. Gold and other commodities are being affected by the Fed’s positions. Our last article this month is very interesting. Australia is enjoying a 27-year [...]

Banking Banking Lines Up Front (BLUF) – Week of November 8, 2018

By |2018-11-07T14:42:29+00:00November 7th, 2018|Financial, News, Trends|

Interest rate hikes are still the topic du jour of the moment. It seems like everyone has a different opinion of just how the Fed should modify rates over the next year or two. These interest rate changes could have a huge impact to your bank’s balance sheet.  It’s important for your bank’s ALCO to [...]

Banking Banking Lines Up Front (BLUF) – Week of November 1, 2018

By |2018-11-01T09:28:38+00:00November 1st, 2018|Financial, News, Trends|

We hope everyone had a great Halloween. As usual, we wanted to bring together some key articles that evaluate what is going on in our banking environment right now. It’s our belief that the tea leaves are pointing toward a recession in the near future, and news articles are supporting this statement. We’re not trying [...]