July 10, 2013
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Balance Sheet Management Is a Necessity for Community Banks  

Balance sheet management -6-13 Merriam-Webster's dictionary defines derivative as a "contract or security that derives its value from that of an underlying asset or from the value of a rate or index of asset value."  Community bankers all too often add their own (four letter) adjectives to such contracts, as derivatives have an image problem. However, there is the opportunity to use well-structured and easy-to-understand interest rate products to not increase risk, but to actually control and reduce it. Read more>> 

Fed Approves Final Rule on Basel III
For community banks, the changes from current regulations target a few areas that are higher risk, but are otherwise minimal, according to the Fed. Nine out of 10 financial institutions with less than $10 billion in assets would meet the common equity Tier 1 minimum plus buffer of 7 percent in the final rule, according to data from March 2013. Read more>>

Comptroller Curry Says Final Rule Strengthens Capital While Minimizing Burden on Community Banks, Thrifts      

"The final rule, which I intend to sign, incorporates a number of changes designed specifically to ease unnecessary burden on community banks and to respond to the many concerns we heard from them and others through our comment process while preserving the benefits to the financial system that come from higher quality and quantity of capital," the statement said. Read more>>
Tier 1-Mo. Bank

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Many people who work in HR happily handle hiring, orientation, payroll, benefits and more, yet secretly yearn to help the company grow by making more strategic decisions. If this is you - and you would like to shift your focus to working more strategically in HR, then this is a must-attend training program. In it, you will learn how to change your focus from simply doing tasks to being part of the strategic direction HR must go in to drive bottom line results for the organization.  
Arkansas, Oklahoma and Texas Consolidate to Form Nation's Largest Credit Union League
Credit unions in Arkansas, Oklahoma and Texas join forces to form the Cornerstone Credit Union League. Read more>>
Entries Being Accepted for 2013 ISAs

ISA2013 The Innovative Solutions Awards, sponsored by BankNews, recognize companies that have introduced or significantly enhanced products designed to help community banks become more efficient, expand their capabilities and, ultimately, better serve their customers. The Innovative Solutions Awards are presented in four categories: Equipment/Hardware Solution;
Consulting/Outsourcing/Training Solution;
Management/Operations/Processing Solution; and eBanking (Mobile/Online) Solution.  Read more>>

Banking at Heartland Bank  

Ohio's Heartland Bank promotes its banking services and commitment to make customers feel "at home." Its everyday motto is "Where Banking Feels Good."  Watch video>>

Agencies Release Public Sections of Resolution Plans for Four Institutions     

The firms whose resolution plans were due on July 1, 2013, are BNP Paribas SA, HSBC Holdings plc, Royal Bank of Scotland Group plc, and Wells Fargo & Co. Read more>>

CSI Promotes Zaid Akhter to Vice President of Sales   

As regional vice president, Akhter will lead CSI's Western region sales team and direct the company's strategic sales initiatives for financial institutions throughout Washington, Oregon, California, Idaho, Nevada, Arizona, Utah, Montana, Wyoming, Colorado, New Mexico, Nebraska, Kansas, Hawaii and Alaska. Read more>>
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