Pinion Insights: Posts authored by

Pinion Editorial


Potential Scrutiny Around Re-presented Transactions

By Pinion Editorial | July 11, 2022
Reading Time: < 1 minutes
In case you haven’t heard, the FDIC recently has been scrutinizing how banks are treating single transactions that are repeatedly rejected for insufficient funds.  Guidelines for Insufficient Funds and Fees Financial institutions may charge a non-sufficient funds (NSF) fee when a charge is presented for payment but cannot be covered …

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5 Ways Community Banks Can Recruit and Retain Talent

5 Ways Financial Institutions Can Recruit and Retain Talent

By Pinion Editorial | July 11, 2022
Reading Time: 2 minutes
Like many industries, financial institutions are fighting to recruit and retain talent in this tight labor market. Pinion’s community banking advisors have compiled the following strategies for attracting and retaining talent. 1. Implement Flexible Work Options Strategy:  Be realistic and accommodating. Working remotely and/or finding opportunities where there is scheduling …

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TEFRA Tax Disallowance

By Pinion Editorial | July 1, 2022
Reading Time: < 1 minutes
We’ve been seeing more activity with community banks purchasing non-bank qualified bonds.  It’s important to remember the tax consequences of purchasing these bonds.  For both S Corps and C Corps, the TEFRA penalty applies.  The penalty results in an interest expense disallowance equal to 100% of the proportionate amount of …

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What’s in a Sustainability Plan?

By Pinion Editorial | February 3, 2022
Reading Time: 3 minutes
Sustainability is a buzzword that keeps on buzzing.  As companies like Exxon have set net zero targets that encompass their supply chains and are expanding their low carbon fuel offerings, ethanol producers are feeling a greater sense of urgency to jump on board and incorporate ‘sustainability’ within their own business …

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