Handling Portfolio Credit Risk: Has Your Bank Defined Its Risk Appetite?

  • February 14, 2016

In their analysis of the root causes of the financial crisis, banking regulators determined that one of the main problems was...

Is Vintage Analysis the Key to CECL?

  • January 24, 2016

written by Blair Groves With the final CECL standard expected in the first quarter of 2016, this article is a good...

Consider Business Interruption Insurance When Planning for Disaster

  • October 18, 2015

Bankers usually check to make sure businesses have adequate hazard insurance in case a building or essential equipment is severely damaged...

Lending to Nonprofits: Opportunity and Threats for Community Banks

  • October 16, 2015

As federal and state governments face tighter budgets, some are reducing the amount of money they allocate to nonprofits. This presents...

Global Cash Flow and Owners’ Personal Living Expenses

  • October 14, 2015

The finances of small business owners’ companies and personal lives are usually intertwined. This requires community banks to examine global cash...

Recap of the 2015 Allinial Global Financial Institutions Forum

  • October 2, 2015

written by Josh Beaird The annual Allinial Global Financial Institutions Forum took place July 30-31. The Whitlock Company is a member firm...

Are Your Customers Ready for Rising Interest Rates?

  • October 1, 2015

written by Josh Beaird The latest comments by Janet Yellen at her September 17th press conference stated the following: “Most (FOMC)...

Risk Management with Third-Party Vendors

  • August 19, 2015

In today’s competitive and highly regulated banking environment, many community banks are entering into more complex relationships with a wide range...

FRF for SMEs and Small Business Borrowers

  • August 19, 2015

In 2013, the AICPA released the Financial Reporting Frame-work for Small and Medium-Sized Entities (or FRF for SMEs). This is a...