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Lending standards slip, risk increasing according to OCC

Abrigo

Lending standards continue to relax, according to data from the OCC’s 2014 Survey of Credit Underwriting Practices. Source: OCC 2014 Survey of Credit Underwriting Practices, December 2014. The OCC found that commercial loans evaluated within the survey had an increased risk level, compared to 2013.

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Top concerns and growth strategies of community banks: Part II

Abrigo

We can find answers in the August Bank Director’s 2014 Growth Strategy Survey , which asked executives from banks of all sizes across the United States about their growth strategies for the next 12 months. Source: 2014 Growth Strategy Survey. Source: 2014 Growth Strategy Survey. Source: 2014 Growth Strategy Survey.

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OCC warns against lax auto loan standards

Abrigo

percent of banks reported stronger demand for auto loans in Q4 of 2014, up from 18.8 Demand is also increasing at credit unions. Credit union auto loan portfolios reached $225 billion as of the end of Q3 2014, according to Sageworks Bank Information. Blog Bank Credit Union' FRED reports that 25.4

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The impact of lower energy prices on banks

Abrigo

Some differences in loan portfolios However, nonperforming loan ratios, a good measure of the health of a bank’s loan portfolio, for commercial and industrial loans began to deteriorate at energy-sensitive banks in mid-2014 once the oil slump began, especially relative to two comparison-bank groups. “By

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Defending the bank's capital levels

Abrigo

The BASEL Committee, in a January 2014 article , acknowledged four components of a capital planning process: 1. Capital policy and risk structure 3. Internal control and governance 2. Forward-looking review 4. Management framework for preserving capital.

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OCC cites loosening of underwriting standards as a top supervisory concern

Abrigo

The report, based on data through the end of 2014, discusses risks facing national banks and federal savings associations, and focuses on issues that pose threats to the safety and soundness of those OCC-regulated institutions. For more on the topic, access the recorded webinar: Instilling the Right Credit Risk Culture.

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Cultivate a better ag lending process: 7 best practices

Abrigo

The most recent Iowa Farm and Rural Life Poll on farmers’ use of communications and computing technologies found in 2020 that 66% of farmers said they use a smartphone, up from 30% in 2014. Forty-one percent use a tablet computer like an iPad that has mobile access to the Internet, up from 19% when the question was first asked in 2014.