Fall 2011

SR Perspectives Newsletter

This edition of S&R Perspectives highlights Allowance for Loan and Lease Losses (ALLL), capital planning, vendor management, and the state of Fifth District banks versus the nation.

Jennifer's Notes

Welcome to the fall 2011 edition of S&R Perspectives.

Capital Planning: It's Not Just for Problem Banks

Capital planning discussions between bankers and regulators are nothing new, but they have changed in recent years.

The Quest for a 'Reasonable' Allowance for Loan and Lease Losses

Over the past several years, the emphasis on the level and adequacy of the Allowance for Loan and Lease Losses (ALLL) by bank regulators has increased.

The State of Fifth District Small Community Banks Versus the Nation

Current newspaper articles and business commentary seem to indicate that the banking industry is beginning to rebound from the depths of the recent financial turmoil.

Four Steps to an Effective Vendor Management Process

Choosing a vendor to support your operations is a difficult, but important, task. Managing your vendor is equally important.

Examiner's Corner

This section highlights key issues noted by examiners conducting examinations of community banks within the Fifth Federal Reserve District.

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