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Proactively Managing the Bond Portfolio

By Dennis Zimmerman Jr.

There are three important elements to achieving long-term excellence in the performance of the fixed income investment portfolio. The first is attention to detail. The second is to craft then follow a strategic plan that fits the overall goals of the institution. The third simply requires management to be proactive rather than reactive. While the first two are certainly important, this article will primarily focus on the third element — proactively managing the bond portfolio. Successful community bank investment officers understand that when it comes to proactively managing the portfolio, best practices generally follow one of two basic themes: What to do and what NOT to do. Select key best practices are listed below:

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Chicken Little and the Economy

By KC Mathews and Eric Kelley

Chicken Little would have been a terrible economist. She was hit on the head by a falling acorn and immediately declared “the sky is falling.” Perhaps a bit more analysis should have been conducted since the sky, in fact, was not falling.

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Small Business and Cash Flow Analysis in the Loan Underwriting Decision

By Charles W. Mulford

Earnings before interest, taxes, depreciation and amortization, or EBITDA, is a metric that is often used in loan underwriting decisions for small business. This is understandable as EBITDA provides a measure of cash flow that is easily calculated for borrowers that are less likely to provide more sophisticated cash flow information. 

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What Do Clients Value in Their Investment Advisors?

According to a recent survey by the Investments & Wealth Institute, 91 percent of investment clients are somewhat or very satisfied, and 89 percent of clients are somewhat or extremely likely to continue to work with their current advisor. The vast majority of advisors are providing a high level of satisfaction with their high net worth clients. However, while those findings as positive, the research suggests that having satisfied and loyal clients isn’t enough to set the advisor apart from most other advisors available to clients. The study highlights several key capabilities that distinguish exceptional advisors from their peers.

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Bank Small Business Loan Approvals Rose in April

Approval rates for small business loan applications reached a record high of 27.5 percent at big banks ($10 billion+ in assets) in April, up one-tenth of a percent from march, while approval percentage at small banks jumped four-tenths of a percent to 49.8 percent according to the Biz2Credit (New York, N.Y.) Small Business Lending Index.

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