What Can Community Bankers Learn from Large Bank CECL Disclosures?

Last week (July 14 – 16, 2020) the four largest US banks began releasing their second quarter 2020 earnings reports and many analysts were focused on their updated estimates for credit losses anxious to see the effects of the Covid-19 crisis on these leading financial institutions. These second quarter 2020 earnings releases represent only the

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Lending Considerations for Community Banks During the Coronavirus Pandemic

The economic impact of the Coronavirus Pandemic is now touching nearly every business and organization in essentially every country around the world. To be able to continue to support your local community, community-based financial institutions need to be able to respond to the evolving financing needs of each customer, including business borrowers.

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Lending Environment Due to COVID-19

Since the rapid onset of the novel Coronavirus striking US and global financial markets, benchmark interest rates have fallen sharply. Over the past month US Treasury rates for 5 and 10-year securities have quickly moved to historic lows. If your institution is using unadjusted US Treasury rates as proxies for market-based cost of funding for loan pricing purposes within LoanPricingPRO®, it is recommended that you override these rate curves in the short term with one of a number of other available rate indices.

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LoanPricingPRO Registers Record Increase in Client Use in 2019

LoanPricingPRO® software, the commercial loan pricing system from ProBank Austin, had its best year ever in 2019, experiencing client utilization growth of 21%, following solid growth of over 10% in 2018.

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So, What Should Lenders Be Doing Now?

Essential Concepts in Pricing Loans Current Lending Environment The US banking environment is in a new, more unpredictable phase as we begin 2019.  Economic growth continues to chug along nicely, poised to achieve a 3% plus GDP growth rate on an annual basis for the first time in many years.   However, all major US stock

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