Search Results
Journal Article
Agriculture Boom Continued 2013
U.S. agriculture has been booming in recent years with record farm incomes and double-digit percentage increases in cropland prices. However, farm income projections suggest a flattening, if not a reversal, of these trends. 2013 may prove to be a peak year, as analysts expect the agriculture sector to experience lower commodity prices, normal crop production and lower farm income over the next several years.
Journal Article
The drought's impact on Eighth District agricultural conditions
Despite historic drought conditions, crop producers and lenders in Eighth District states appear likely to exit the year in satisfactory financial condition, but the situation is somewhat different for livestock producers.
Journal Article
The changing landscape of community banking
The demise of the community bank business model has been prognosticated by many, especially with the recent financial crisis. But what do the numbers suggest for the future?
Journal Article
What if debit card transactions exchanged at par?
Under a mandate from the Dodd-Frank Act, the Federal Reserve proposed standards for determining whether debit card interchange fees are ?reasonable and proportional? to the cost of the transaction.
Journal Article
2013 Community Banking Performance: A Year of Recovery
Journal Article
Asset quality: are we there yet?
The largest national banks apparently have turned the corner on asset quality issues, but this improving trend has not yet emerging across the Eighth District.
Journal Article
In-depth: can FASB get loan loss accounting just right?
The Financial Accounting Standards Board (FASB) recently released a proposal that would change the way financial institutions set aside funds to cover losses on loans, debt securities and other assets. Under current accounting rules, the allowance for loan and lease losses is based on incurred losses; the new model, if adopted, would require the allowance to be established for losses expected over the life of the loan based on current and future economic conditions, historical losses, and other factors.
Journal Article
What are the challenges that banks face to raise capital?
Investors remain available for offensive capital-raising but are scarce for defensive capital-raising.>
Journal Article
The troubled asset relief program—five years later