ARTICLES

2016
 

2016-01

Guidance on Dodd Frank Investment Grade Due Diligence (Updated)
Seifried & Brew (S&B) provides relevant, dynamic content and services to the community banking industry. The S&B Municipal Bond Ratings use the fundamentals of bank credit analysis to meet regulatory compliance on new standards for investment grade due diligence. By reviewing regulatory guidance related to the Dodd Frank Wall Street Reform and Consumer Protection Act, this document discusses how and why community banks should use S&B as an independent third party to fulfill alternate standards of creditworthiness...   [read more]
2015
 

2015-07

Rethinking Trust Services
There are approximately 1, 400 bank trust departments in the United States - many of which are unprofitable and lack justification for the risks being assumed in their operation. With the current banking landscape of more lending competition, reduced net interest margins and increased employee costs, progressive community banks are now focusing their efforts on core business lines and reducing or eliminating non-core services — including trust...  [read more]

 

2015-01

Guidance on Dodd Frank Investment Grade Due Diligence
Seifried & Brew (S&B) provides relevant, dynamic content and services to the community banking industry. The S&B Municipal Bond Ratings use the fundamentals of bank credit analysis to meet regulatory compliance on new standards for investment grade due diligence. By reviewing regulatory guidance related to the Dodd Frank Wall Street Reform and Consumer Protection Act, this document discusses how and why community banks should use S&B as an independent third party to fulfill alternate standards of creditworthiness...  [read more]
2014
 

2014-05

S&B TOP 15TH PERCENTILE OF COMMUNITY BANKS IN REVIEW
The 2013 Seifried & Brew (S&B) Top 15th Percentile of Community Banks has been released. Utilizing the S&B Total Risk/Return Composite Ranking,nearly 1,000 community banks have made the cut. It is with a balance of risk and reward that banks can achieve a spot on the list...  [read more]
2013
 

2013-07

MUNICIPAL PORTFOLIO MANAGEMENT: CREDIT RISK AND REGULATORY REQUIREMENTS
The new regulatory environment demands elevated scrutiny of each community bank's investment portfolio, including and especially municipal bonds. Seifried & Brew's (S&B) propriety, independent, third-party Municipal Bond Ratings are tailored to meet the new regulatory guidelines and the expanding needs of community banks...  [read more]

 

2013-04

SEIFRIED & BREW MUNICIPAL BOND RATING DISCUSSION
Many investors approach municipal credit research primarily from a cash perspective. Does the credit have surplus cash and investment holdings in its General Fund compared to its liabilities and debt service expenses...  [read more]