Reduce liability for losses on commercial accounts by adhering to four requirements. 


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Investment/Risk Management


Are You Aware of the Risk in Your Agriculture Loan Portfolio?

The 2012 summer growing season has brought with it the worst U.S. drought in more than 20 years. Lack of rain and extreme heat have affected most of the continental United States, including a...


Participations — Problems in the Making, and How to Avoid Them, Part II

The most critical component of the relationship between the lead bank and its participants, and the source of most disagreements, is communication. A prudent lead bank will adopt the motto “early and...


Got Yield? I Wish.

We all face one of the most challenging bond markets in decades and a narrowing interest margin adds to the pressure on earnings for most banks. How are the top bank bond portfolios performing now?...


Participations — Avoiding Problems in the Making

Throughout the years, I have had the privilege of working with many clients who were either a lead bank or a participant in a participated loan. Invariably, the work involved a troubled loan....


Speak Now, or Forever…

It has been almost four months since the Federal Reserve Board proposed regulatory capital reforms and invited comment. At this point, all depository institutions are generally aware of the onerous...


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