Briefings

Video Briefings

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

August 9, 2022 —For this briefing, Jamie Sumner, chief analyst, reviews the 2Q performance of the community bank benchmark group. Overall, earnings improved, and net PPP loan growth was 5.6%. The average ROAA increased to over 1%, fueled primarily by an improvement in net interest margin. As for the S&B Total Risk Index, our measure of total risk increased slightly quarter over quarter.

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RECENT BRIEFINGS

May 11, 2022

May 11, 2022 —For this briefing, Jamie Sumner, chief analyst, reviews the 1Q performance of the community bank benchmark group. Overall, earnings declined slightly, and net PPP loan growth was greater than 2%. The average ROAA decreased 3 basis points, fueled primarily by a decline in net interest margin and noninterest income. As for the S&B Total Risk Index, our measure of total risk increased slightly quarter over quarter.

February 18, 2022

February 18, 2022 —For this briefing, Jamie Sumner, chief analyst, reviews the 4Q performance of the community bank benchmark group. Overall, earnings declined, and net PPP loan growth was greater than 2%. The average ROAA decreased 25 basis points, fueled primarily by a decline in net interest income and noninterest income. As for the S&B Total Risk Index, our measure of total risk improved slightly quarter over quarter as the increase in earnings at risk was offset by declines in the levels of capital, credit, and liquidity risk.

January 28, 2022

January 28, 2022 —For this briefing, Jamie Sumner, chief analyst, reviews the 4th Quarter GDP Release and comments on the Fed statement and the projection of interest rates.

November 11, 2021

November 11, 2021 —For this briefing, Jamie Sumner, chief analyst, reviews the 3Q performance of the community bank benchmark group. Overall, earnings are up, and net PPP loan growth was greater than 2%. The average ROAA increased three basis points, fueled primarily by the increase in noninterest income. As for the S&B Total Risk Index, our measure of total risk improved slightly quarter over quarter as the increase in earnings at risk was offset by declines in the levels of capital, credit, and liquidity risk.

November 05, 2021

November 05, 2021 —For this briefing, Jamie Sumner, chief analyst, reviews the Federal Reserve statement and the October 2021 Employment Report. Additionally, we review the GDP Now projection for the 4Q…and it’s strong!

October 28, 2021

October 28, 2021 —For this briefing, Jamie Sumner, chief analyst, reviews the 3Q 2021 GDP release.

August 6, 2021

August 6, 2021 —For this briefing, Jamie Sumner, chief analyst, reviews the 2Q 2021 performance of the Community Bank Benchmark group. Overall, the benchmark group saw a slight decrease in ROAA. Improvements in net overhead helped to offset the decline in net interest margin. Additionally, the benchmark group continues to show elevated cash levels, which places downward pressure on the net interest margin. As for the S&B Total Risk Index, the benchmark group saw a slight decrease in overall risk.

July 30, 2021

July 30, 2021 —For this briefing, Jamie Sumner, chief analyst, reviews the July 30, 2021, Federal Reserve Release. Additionally, Jamie covers the 2Q GDP Advance Estimate. Furthermore, Jamie discusses inflation and movements in the 10-year U.S. Treasuries yield.

June 18, 2021

June 18, 2021 —For this briefing, Jamie Sumner, chief analyst, reviews the June 16, 2021, Federal Reserve Release and their new set of projections. Additionally, Jamie covers the St. Louis Fed’s advance real retail and food services sales for May and the Census’s advance retail sales report. Furthermore, Jamie discusses inflation and movements in the 10-year U.S. Treasuries yield.

June 4, 2021

June 4, 2021 —For this briefing, Jamie Sumner, chief analyst, reviews the 2nd estimate of the 1Q GDP along with the April Coincident Index, inflation, and the May employment situation report.

May 20, 2021

May 20, 2021 —For this briefing, Jamie Sumner, chief analyst, reviews the 1Q 2021 performance of the Community Bank Benchmark group. Overall, the benchmark group saw an increase in ROAA. Improvements in net overhead was enough to offset the decline in net interest margin. Additionally, the benchmark group saw a slight decrease in overall risk as measured by the S&B Total Risk Index.

November 6, 2020

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.

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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