Read Between the Lines July 2020
The Federal Reserve issued a proposal in April that eases some rules for investors, while providing more clarity on the factors and thresholds it uses to determine if a company...
01 July, 2020
Article
How One Bank Uses Invictus Stress Tests
The economic fallout from the coronavirus is keeping many community bank executives awake at night. But some bankers are getting extra sleep, thanks to a tool that helps them understand...
03 June, 2020
The Shortfalls of Loan-Level CRE Stress Testing in a COVID-19 World
The coronavirus has presented the first threat to community banks since the 2008 financial crisis. For the first time, stress testing is a real exercise. What community banks across the...
03 June, 2020
Frequently Asked Questions about Invictus COVID-19 Stress Testing
Invictus has been inundated with queries from banks about our pandemic stress testing services. Here are some of the top questions we’ve received. 1. Why can’t my bank use the stress tests...
03 June, 2020
When the Hypothetical is Now: The Importance of Pandemic Stress Testing
After the 2008 Great Recession and prior to the coronavirus pandemic, regulators turned to stress testing to establish bank capital adequacy levels. The Federal Reserve established a program called the...
03 June, 2020
Why Banks Need to Get Ahead of the COVID-19 Economy
The one thing we know about the future economic impact of COVID-19 is that we do not know what it will be. The internal optimist in all of us hopes...
03 June, 2020
Bankers Should Focus on Five Loan Characteristics to Assess Risk from COVID-19 Economy
Many community banks have been in touch with their borrowers to assess their financial condition during this precarious economic environment. Bankers are also segmenting their portfolios based on some of...
03 June, 2020
COVID-19 and Your ALLL: Now What?
Community banks can no longer estimate their loan loss reserves the way they did before the coronavirus upended the global economy. Think back to January. Your bank had finished another...
03 June, 2020
CEOs Need to Start Prepping for the Worst-Case Scenario
The coronavirus chaos and its cascading impact on the financial markets has obliterated the existing strategic plan for every community bank virtually overnight. Bank CEOs must now shift gears...
03 June, 2020
COVID-19 Stress Testing: An Essential Tool to Guide Banks through the Crisis and Beyond
The financial fallout from the coronavirus is not going away anytime soon. Now that the all-hands-on-deck efforts to secure federal Payroll Protection Program loans has passed, community bank executives need...
03 June, 2020