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OCC Spring 2018 Semiannual Risk Perspective – Summary

The OCC’s National Risk Committee issues a Semiannual Risk Perspective, the most recent one highlighting financial data as of Spring 2018 (1). Below is a summary that highlights reporting which is pertinent to Commercial Loan Portfolio risk management. I) Overview Overall the economic environment is currently in a good place – Real GDP increased from […]

The CEIS Quarterly Newsletter – Volume 4, Issue 2

In this release of CEIS Review’s “The Quarterly” newsletter, our President & CEO Joe Hill discusses trends in underwriting standards over the past year and economic trends to look for when safeguarding resilience in your portfolio. Also covered in this issue: Loan Officer Opinion Survey Summary: We summarize key data issued by the Fed, which […]

CEIS Review is Proud to Support Lakeland Bank’s Charity Golf Outing

CEIS is pleased to support Lakeland Bank at their annual Sussex County Golf Classic in support of charity organizations throughout New Jersey. Since its inception in 1982, this event has raised and donated over one million dollars to not-for-profit organizations serving the New Jersey community. Hats off to you, Lakeland, and we’ll see you soon!

CEIS’ Client Banks Make S&P’s Best-Performing Community Banks of 2017

CEIS is very proud to recognize that of the 100 Banks selected for S&P’s Best-Performing Community Banks of 2017, several of our Clients are on the list, with a few represented within the top 20 Institutions. CEIS is particularly proud to serve Community Banks as they directly contribute to your respective local communities, whether it […]

Summary: Press Release Regarding Appraisal Requirements for CRE Transactions

Today, the Fed, FDIC, and OCC jointly issued a final rule to exempt commercial real estate transactions of $500,000 or less from appraisal requirements. (1) Please see a summary below: The threshold for requiring an appraisal (as opposed to an evaluation) for a Commercial Real Estate Transaction has increased from $250,000 to $500,000. “CRE Transactions” […]

CEIS Review is Proud to Support NC Bankers’ “Camp Challenge” Youth Outreach Program

CEIS Review, a proud member of North Carolina Bankers Association, is pleased to support their Community Outreach efforts through the Camp Challenge program. The North Carolina Bankers Association Foundation’s Camp Challenge is a “week-long summer camp experience for high-achieving, low-resource students from across North Carolina”. NC Bankers offers these promising young sixth, seventh, and eighth […]

The CEIS Quarterly Newsletter – Volume 4, Issue 1

In this release of CEIS Review’s “The Quarterly” newsletter, President & CEO Mr. Joseph J. Hill discusses the constant need for improvement, and ways in which CEIS is working to better serve our client base; Managing Director Ms. Elizabeth “Liz” Williams discusses what exactly is captured when identifying a CRE concentration by regulatory definition, and […]
  • Posted by Justin Hill
  • On Wednesday February 21st, 2018
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The State of Affairs: Marijuana Legalization and Banking

In 2016, the reported revenue from states that have legalized medicinal and or recreational marijuana usage is estimated to be approximately 6.7 billion dollars (1). With more states now having passed legalization regarding marijuana sale and usage, the anticipated revenue is expected to double or triple from previously reported figures. Without any direct Federal government […]

OCC Fall 2017 Semiannual Risk Perspective – Summary

I) The Operating Environment The OCC (1) has observed overall increased bank earnings due to improved net interest margins, a strong quality and quantity of bank capital, and widely available liquidity. Credit quality remains strong, with all major loan categories reporting net charge-off rates below their 25-year averages. Interest rates and market volatility remain at […]

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