From the Experts

Fintech - A Few Additional Steps to Prepare for Fintech Disruption

Posted February 21, 2017 by Stephen D. Heckard in From the Experts.

In my blog, “Preparing for Fintech Distruption” (link below) I suggested two steps in preparing for the potential impact of fintech on community banks. These are two significant steps, ensuring that your Board is aware of this potential and discussing what alternative your core vendor can provide. However, there is much more that you can and should do to embrace fintech. Waiting until your bank feels the effects of disruption may be too late to effectively react.

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Do the CCAR Scenarios Signal Regulatory Focus?

Posted February 16, 2017 by Michael M. Moran in From the Experts.

Do the CCAR (Comprehensive Capital Analysis and Review) scenarios signal regulatory focus? Put another way have preliminary indications about regulatory concern over developing CRE concentrations been subtly reinforced in this year’s stress scenarios? Some folks, particularly my family, might accuse me of probably diving a little too deep into numbers at times. I am sure it dates back to my childhood and committing to memory the batting statistics of my favorite Major League baseball players, and then naturally evolved through my high school and college years with a general comfort for the black and white of math oriented classes. In my professional career, I have always been intrigued not so much by what the numerous banking performance metrics attempt to convey with regard to relative valuations, but more so by delving deeper behind the numbers to learn what that might mean for the future. And so it is, to the chagrin of my kids, that each year I look at the Fed-generated stress scenarios for the annual CCAR and DFAST (Dodd-Frank Act Stress Test) exercises to see, if by chance, there is possibly a veiled or even overt effort to signal area(s) of pertinent focus with regard to the regulatory oversight of our banking industry.

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Maroney and Mancinotti Present at 2017 AOBA Conference

Posted February 10, 2017 by Craig J. Mancinotti, Richard F. Maroney, Jr. in From the Experts.

Rick Maroney and Craig Mancinotti, Managing Directors of ProBank Austin, presented at the 23rd annual Bank Director Acquire or Be Acquired Conference (AOBA) held January 29-31, 2017 in Phoenix. This is the 18th consecutive year that they have participated in the premier conference for financial executives and board members from around the country. Over 300 guests attended this year’s conference at the JW Marriott Desert Ridge Resort & Spa. Rick and Craig’s presentation on M&A Case Studies for Thinly-Traded and Private Companies (link below) was held on Sunday, January 29. They also facilitated a well-attended workshop on Stock Valuation and Liquidity on Tuesday, January 31.

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Fintech - Are APIs in Your Future?

Posted February 8, 2017 by Stephen D. Heckard in From the Experts.

In my last blog, I suggested that your bank question your core vendor about its position on APIs. An API is an Application Program (or Programming) Interface. It allows a third party product or service to receive account information directly from your core processing system in real time. API is a fancy term for interface. Your loan origination system is interfaced to your core processing system through an API. The API is the portal through which information passes. Traditionally, many have been a one-way exchange of data. However with the advent of fintech, I can certainly see requirements for bi-directional flow of data.

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2017 Community Bank Budget Review

Posted February 6, 2017 by Jeffrey L. Morris in From the Experts.

At ProBank Austin, we are always curious at this time of year to find out what’s on the minds of our community bank clients, and in particular, to better understand their plans and goals for the coming year.

As consultants serving clients from around the country, we have a unique window into the thinking of community bankers, as each year we assist our ALCO clients with the preparation of their annual budgets. By confidentially analyzing and comparing these annual financial plans, we are able to provide all community bankers with insight into how their expectations for 2017 compare with that of their peers.

Our clients range in size from under $100 million to $3 billion in total assets. Clients included in our budget review process this year were well distributed across the typical size classes representing the community banking industry, as shown below:

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