All posts by Guest Contributor

By: Tom Hannagan Part 5 This continues the updated review of results from the Uniform Bank Performance Reports (UBPR), courtesy of the FDIC, for...

Published: March 10, 2009 by Guest Contributor

By: Tom Hannagan Part 4 Let’s dig a bit deeper into why Peer Group 1’s margins didn’t improve. We see two possible reasons: Total...

Published: March 10, 2009 by Guest Contributor

By: Tom Hannagan Part 3 I believe it is quite important to compare your bank or your investment plans in a financial institution to...

Published: March 5, 2009 by Guest Contributor

Recently we conducted an informal survey, the results of which indicate that loan portfolio growth is still a major target for 2009.  But, when...

Published: February 26, 2009 by Guest Contributor

By: Tom Hannagan Part 2 In my last post, I started my review of the Uniform Bank Performance Reports for the two largest financial...

Published: February 26, 2009 by Guest Contributor

By: Tom Hannagan Part 1 It may be quite useful to compare your financial institution’s portfolio risk management process or your investment plans , to the...

Published: February 26, 2009 by Guest Contributor

By: Tom Hannagan This post is a feature from my colleague and guest blogger, John Robertson, Senior Process Architect in Advisory Services at Baker...

Published: February 25, 2009 by Guest Contributor

By: Tom Hannagan Part 2 There is one rather interesting clause that appears to represent an open-ended business porfolio risk management decision for the...

Published: February 19, 2009 by Guest Contributor

By: Tom Hannagan Part 1 Beyond the risk management considerations related to a bank’s capital position, which is directly impacted by Troubled Asset Relief...

Published: February 19, 2009 by Guest Contributor

We have been hearing quite a bit about the ponzi scheme that was created and managed by Bernie Madoff.  Almost $50 billion dollars was...

Published: February 19, 2009 by Guest Contributor

The difference between market risk and credit risk By: Tom Hannagan Market risk is different than credit risk. The bank’s assets are mostly invested...

Published: February 11, 2009 by Guest Contributor

By: Tom Hannagan In my past postings, we’ve discussed financial risk management, the role of risk-based capital, measuring profitability based on risk characteristics and...

Published: February 11, 2009 by Guest Contributor

Part 2 Reason one Unfortunately, there is a management issue regarding their transparency with the investment community and/or client base.  Regrettably for the managers...

Published: February 10, 2009 by Guest Contributor

“Unprecedented times”, “financial crisis”, “credit crisis” and many other terms continue to be buzzwords that we hear every day.  We are almost becoming desensitized...

Published: February 6, 2009 by Guest Contributor

By: Tom Hannagan Part 3 This post continues my discussion of the reasons for going through the time and trouble to analyze risk-based pricing...

Published: February 5, 2009 by Guest Contributor