Inside Summer 2017

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Implementing CECL: Federal regulators offer guidance

The Current Expected Credit Loss (CECL) model was finalized in June 2016 and will take effect beginning in 2020. Nonpublic business entities (non-PBEs), including most community banks, must implement the new model for fiscal years beginning after December 15, 2020, and for interim periods in fiscal years beginning after December 15, 2021. This article explains the steps banks should take to plan and prepare for the transition to, and implementation of, the new standard, according to federal regulators. A sidebar discusses whether banks should consider stress testing their capital.

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Should you trim the tree?
How to evaluate and improve branch performance

Banks need to monitor and evaluate branches on an ongoing basis to ensure they continue to perform well and are contributing to the overall health of the bank. This article discusses several approaches a bank can use to analyze branch performance. It suggests that ongoing monitoring and evaluation can lead to more informed decisions about whether to reduce expenses by closing a branch — or develop new products and services the branch can offer to better serve customers.

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Explore new business lines and boost fee income

Many community banks wanting to increase their competitiveness are exploring new business lines, such as SBA lending, municipal finance and insurance premium financing. This article discusses several of these potential business lines and their benefits. The article points out that such tactics may be worth a look for banks wishing to expand their lending options and boost fee income.

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This summary of recent developments in banking looks at the impact that classification as a public business entity can have on a bank’s financial statements. It also provides some sources for information on complex new mortgage servicing rules. In addition, it provides some insights into the banking preferences of Millennials, as revealed in a recent Harris poll.

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