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Nov 2, 2016 11:30:00 AM

3 Trends Banks Need to Anticipate Right Now

There’s no shortage of information in the marketplace. Our clients don’t lack insights into their past and current business scenarios. More and more of them are actively pursuing relationships with firms that can help them to be proactive about looking forward. They have recognized that anticipatory insights are absolutely necessary for generating a strong opportunity pipeline as well as to predict (and prevent) problems. HORNE is that partner for many of our clients.

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Topics: Bank Trends, Trends, Anticipatory

Nov 19, 2014 11:36:00 AM

The Reason Your Bank Needs to Offer Prepaid Cards

I have fond memories of working as a bank teller in a small town during my college years, serving customers and hearing their stories. I’ll never forget my first Friday. It seemed like I’d cashed a thousand checks and it’s a miracle I balanced my drawer. But nothing was more satisfying than handing a smiling worker the cash they’d earned over a long, hard week.


A few weeks into the job, I began to wonder why I was handing people money, rather than putting it into their deposit and savings account. It seemed dangerous to walk around with that many bills in their wallet. I realized two things. First, many of these people didn’t have a bank account because they didn’t trust banks, or the bank didn’t trust them enough to give them one. Second, those cash outs were deposit money, walking right out of the bank.

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Topics: Bank Trends, Community Banking

Apr 9, 2014 12:06:00 PM

The Allowance for Loan Losses and 5 Benefits of Enhanced Documentation

The Allowance for Loan and Lease Losses (ALLL) has long been considered one of the most, if not the most critical estimate in the banking industry. Significant time and energy is invested each month adjusting the allowance for changes in the volume, mix and credit quality of banks’ loan portfolios.

The accounting standards for the ALLL are rigorous and complex, and the methodology for calculating the ALLL continues to be a source of contention. In the second quarter of 2014, the FASB is scheduled, once again, to change the standards and issue a new methodology.

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Topics: Bank Trends, FASB, Loan Loss

Mar 26, 2014 9:30:00 AM

Five Factors for Successfully Managing the Upturn

In 2008, the financial crisis did its best to dissolve the American economy. An overabundance of confidence in our financial security led to decisions that crippled the banking industry with foreclosed assets and extensive credit quality deterioration.

Six years later, wisdom gained through hindsight has helped the industry understand what caused the crisis, rebuild institutions, and put preventative measures in place. Make no mistake; banks are still burdened by ongoing margin pressure, risk and regulations. But we’ve found cautious optimism, and can see light at the end of the tunnel.

Our team has identified five key opportunities that can help banks win in the economic upturn:

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Topics: Leadership, Risk Assessment, Mergers and Acquisitions, Accounting, Bank Trends, Regulations