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• W282518809 abstract "After a brief hiatus, the Community Bank Competitiveness Survey has returned to the pages of ABA Banking Journal, with a new look. A joint project of the publication and the ABA America's Community Bankers Council, the long-running survey will now consist of several targeted surveys during the year, instead of one, wide-ranging survey. In this first installment, we probed community banks about several funding-related issues including overdraft rules, sources of funding, cost of funding, and rate risk An electronic questionnaire was completed by 197 bankers in the early part of February. Respondents had primary responsibilities in seven areas closely related to funding and management of interest rate risk. Specifically, 85% considered their primary job to include executive management, while 90% included asset/liability management. In terms of asset size, 46% of respondents fell into the $100-$499 million-asset range, one of six size ranges capped by $10 billion or more. Only eight respondents came from banks with more than $10 billion, whereas 34 came from banks of under $100 million. Overdraft effect uncertain The new federal rules governing overdraft protection plans take effect July 1. Going by the survey results, the impact of the changes is far from certain. A little more than half the responding bankers, as shown in Exhibit 1, did not anticipate a change in deposit strategy and pricing as a result of the rules. (See Compliance Clinic, p. 38, for details on the rules). Of those who did anticipate changes, 30% said they will restrict availability or terms of free checking, but only 6% plan to actually eliminate free checking. Comments from the 16 bankers who checked off other, include: changing overdraft offering and/or its fee schedule; More closures of mismanaged or abusive accounts; Few checks presented against NSF funds will be paid. Regulatory pressure hits about one in five As shown in Exhibit 3 (pie chart), one fifth of the banks responding are operating under a regulatory enforcement action. Such actions normally include requirements to reduce both cost of funding and reliance on wholesale deposits. Among this particular group of community banks, there were also a handful who had received some form of restrictive funding instruction from their regulators even without any enforcement action. As shown in Exhibit 2 (bar chart), about three quarters had not been told to make changes. Sixteen percent had been told to reduce reliance on brokered deposits within the last six months. One banker, referring to the proprietary CDARS deposit placement program, operated by Promontory Interfinancial Group and endorsed by ABA, expressed the frustration felt by many bankers that FDIC still considers such deposits volatile. Of all respondents, only about 5% reported being asked to reduce CDARS funds, although 13% had been requested to reduce volatile deposits. Comments under Other included: increase/improve liquidity; reduce interest under the FDIC's National Rate restrictions; enhance contingency planning; and the following: specifically reduce, but we were instructed to monitor these areas and be ready to report our monitoring methodology at the next exam. Little change in funding sources foreseen Core deposits and CDs, not surprisingly, were the predominant choices among the group overall, as shown in the table at right. Not shown is the fact that 54% of the smallest banks (under $100 million) said half or more of their funding comes from core deposits, compared with 40% for the entire group. The smallest banks also relied more heavily on CDs--38% said they accounted for half or more of their funding versus 23% for all respondents. Of the other funding choices listed, only Fed funds and Federal Home Loan Bank advances are used by more than half of the banks, but the usage was relatively light--in the 0-10% and 11-25% range (of total funding). …" @default.
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• W282518809 date "2010-02-01" @default.
• W282518809 modified "2023-09-23" @default.
• W282518809 title "Moderate Cost-of-Funds Increase Seen: Deposits Still Growing; Competitive. Regulatory Pressure Felt by Some" @default.
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