How Do You Calculate Debt Service Coverage?

  • January 20, 2012

Debt service coverage is a critical component of loan underwriting. Given its importance, it’s surprising how little uniformity there is in...

The Pendulum Swings Back to C&I Loans

  • January 20, 2012

The financial crisis that began more than three years ago has changed virtually every aspect of commercial lending – from tighter...

Community Banks: Get Ready for Major Changes

  • October 20, 2011

Last summer, the Financial Accounting Standards Board (FASB) issued proposed new standards for lease accounting that, if and when they are...

Management and Audit Committee Letters

  • October 20, 2011

As a commercial lender, you may receive financial information from borrowers in literally all shapes and sizes. These range from audited...

Lessons to Be (Re)learned from the Financial Crisis

  • October 20, 2011

This fall marks the third anniversary of the beginning of the financial crisis. Of course, the seeds of the crisis were...

Survey of Community Banks

  • July 25, 2011

Banking industry experts Walt Moeling and Jim McAlpin recently conducted an informal survey asking investment bankers and industry consultants what they...

New SBA Refinance Program: A Potential Lifesaver

  • July 25, 2011

An estimated $700 billion in commercial mortgages is set to reach maturity over the next few years, and many of these...

Growth Strategies – It’s Time to Switch from Defense to Offense

  • July 25, 2011

For most companies in the financial services industry, the past few years have been all about survival. This includes community banks,...

Financial Reform: One Year Later – What Is the Future For Community Banks?

  • July 25, 2011

Last fall, our lead article in this newsletter detailed the provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act...