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HEAR WHAT THE S&B TEAM HAS TO SAY

Listen in as our analysts discuss an array of topics that may be affecting your institution, including recent market movements and industry-wide commentary. These briefings can serve as educational tools for both boards and management.

Watch the Latest Briefing

November 6, 2020 —For this briefing, Jamie Sumner, chief analyst, reviews the 3Q 2020 performance of the Community Bank Benchmark group. Overall, the benchmark group saw a slight decrease in ROAA. Improvements in net overhead and provisioning were not enough to offset the decline in net interest margin. Additionally, the benchmark group saw an increase in overall risk as measured by the S&B Total Risk Index.

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RECENT BRIEFINGS

October 29, 2020

October 29, 2020 —For this briefing, Jamie Sumner, Chief Analyst, covers the Advance Estimate of the 3Q 2020 GDP. Overall, GDP increased by a remarkable 33.1%! Additional items to note are the decline in personal income, the savings rate of 15.8%, and quarterly core inflation at 3.5%, measured by core PCE.

September 18, 2020

September 18, 2020 —For this briefing Jamie Sumner, chief analyst, reviews September FOMC press release along with the new projections. Overall, we can expect to see low rates for the foreseeable future. The impact of a sustained low rate environment could be significant to bank earnings.

August 17, 2020

August 17, 2020 —For this briefing Jamie Sumner, chief analyst, reviews the 2Q 2020 performance of the Community Bank Benchmark group. Overall, the benchmark group saw an increase in ROAA, which was fueled by a reduction in net noninterest expense. The improvement in noninterest expense fully overshadowed the decline in net interest margin. Additionally, the benchmark group saw a slight increase in overall risk as measured by the S&B Total Risk Index. This increase in risk was triggered by the rise in capital and earnings at risk.

July 30, 2020

July 30, 2020 —For this briefing Jamie Sumner, chief analyst, reviews the 2Q 2020 GDP performance along with the GDPNow‘s 2Q projection and the Philadelphia Feds Coincident index. Additionally, Jamie covers the FOMC statement and the continuing claims release.

June 19, 2020

June 19, 2020 —For this briefing Jamie Sumner, chief analyst, focuses on credit risk. Jamie reviews the trends in noncurrent loans and net charge-offs for the U.S. Commercial Banks. Additionally, Jamie covers the loan sector level charge-off trends and discusses how to use the information to build a credit shock scenario to help banks determine their risk to capital. Lastly, Jamie overviews the risk in the investment portfolio, focusing on municipal bonds and the S&B COVID-19 Risk Levels.

June 11, 2020

June 11, 2020 —For this briefing, Jamie Sumner, chief analyst, reviews the June 10th Fed release and projections. Additionally, Jamie charts various scenarios of the U.S. economic recovery based on projections by the IMF, World Bank, and the Fed. You will be surprised to see when the economy could reach full recovery.

June 5, 2020

June 05, 2020 —For this briefing Jamie Sumner, chief analyst, reviews the 1Q 2020 GDP performance and the GDPNow's 2Q projection. Additionally, Jamie coves a few indicators that support the significant decline in GDP for the 2Q. Lastly, Jamie covers current interest rates and potential impact on the industry’s Net Interest Margin if rates stay at these low levels for an extended period.

May 28, 2020

May 28, 2020 —For this briefing Jamie Sumner, chief analyst, reviews the 1Q 2020 performance of the Community Bank Benchmark group. Overall, the benchmark group saw a decline in ROAA, which was fueled by a reduction in the net interest margin. Additionally, the benchmark group saw a slight increase in overall risk as measured by the S&B Total Risk Index. This increase in risk was triggered by the rise in credit risk and earnings at risk.

April 24, 2020

April 24, 2020 —For this briefing, Jamie Sumner, Chief Analyst, is joined by Dr. Ed Seifried as they present their quarterly ALCO briefing. While these ALCO briefings are reserved for our clients, we believe it is essential for all of our subscribers to listen in on this quarter's ALCO briefing.

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