Inside Fall 2018

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Should you partner with a fintech company?

Community banks that fail to deliver the digital products and services their customers demand will get left behind. This article explains how banks can partner with fintech companies to develop innovative, customized digital services. The article points out that banks cite several benefits to collaboration, including improving their ability to offer online services — in particular, more convenient and reliable mobile platforms - decreasing technology costs and allowing them to offer lower lending rates. Click for more >>

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Noninterest income can keep your bank on course

Banks sometimes need to focus on noninterest income because interest income isn’t always enough to maintain a steady and secure bottom line. This article lists the sources of noninterest income, including deposit service charges, loan origination and servicing fees, overdraft and NSF charges, and gains on sales of loans and investment securities. The article notes that it’s important for banks to supplement interest income with other income streams. Click for more >>

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This summary of recent developments in banking discusses a new consumer compliance publication put out by the Federal Reserve Board that provides clarity in interpreting consumer protection regulations. It also notes that the federal banking agencies recently raised the threshold for commercial real estate (CRE) transactions requiring an appraisal from $250,000 to $500,000 and suggests that it’s important for lenders considering working with loan participations to work closely with legal and financial advisors to manage the risks involved. Click for more >>

Download Fall 2018 Now!

P&G Associates is pleased to present the P&G Banking Advisor Newsletter! This free resource is our gift to you. Inside, we address various issues and topics relevant to community banks today.

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