Commercial Lending

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Many banks, especially community banks, are looking for sources of revenue to replace their traditional real estate lending and C&I concentrations. Treasury management services are revenue generators that have proven increasingly attractive to those banks. However, there are many such services, and providing them can become a potentially risky process if the bank isn’t careful about how it words its agreements with its customers.

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The Nuts and Bolts of Banking is a two-day summit for anyone wanting a complete banking overview – veteran bankers looking for a refresher course, new employees who need to learn the basics and bank suppliers who could use a primer on how a bank works.  This program is designed to acquaint attendees with banks and the banking environment.  You will understand how banking institutions are structured and regulated along with what banks do and how they do it.

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One has to admire the tenacity of the credit union lobby. Once again, a handful of very large credit unions are wearing out Congressional officials to pass legislation that will increase their business lending authority from 12.5% of their total assets to 27.5%... Read more.

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Click here for the Capitol Comments Archives.

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The Independent Bankers Association of Texas and the Texas Bankers Association have partnered with the FDIC and Texas Department of Banking to bring you this important update on current and emerging banking issues. Breakout sessions are tailored for directors, risk management staff and consumer compliance staff. Attendees will be provided with resource materials for future reference. Register now!

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A recent issue of Texas Bank Report, published by the Texas Department of Banking, identified appraisal and collateral evaluation deficiencies as one of the most glaring issues facing banks in examinations.  The Department specifically identified failure on the part of banks to:

• Perform timely annual appraisals on Other Real Estate Owned;
• Update appraisals in distressed markets upon renewal; and