K·Coe Insights: Posts from category

Community Banks

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 items 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

By Pinion Editorial | July 11, 2022
Reading Time: 2 minutes
Like many industries, community banks 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. Implement Flexible Work Options Strategy:  Be realistic and accommodating.  Working remotely and/or finding opportunities where there is scheduling flexibility …

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Community Banking Tips, Trends, and Takeaways from 2022 Events

By Pinion Editorial | July 6, 2022
Reading Time: 3 minutes
The Pinion Community Banking team members have attended several conferences and trainings over the past month.  I just wanted to share with you a few of the highlights that stood out to us from the OBA Annual Convention, MBA Annual Convention, and the KBA Legal Update. Be prepared for what’s …

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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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A Look at the Modern Audit: Are You Missing Out?

By Pinion Editorial | June 2, 2022
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Reading Time: 2 minutes
While most companies think of audits as an annual necessity, the vast majority typically keep to the same old standards and don’t know to ask for more. But the modern audit process has changed, and businesses should raise their expectations accordingly. Today’s audit should extend beyond bringing in accountants to …

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Increased Interest Rates Spike Questions from Banks on Regulatory Capital

By Sandy Sporleder | May 5, 2022
Reading Time: < 1 minutes
On March 16, 2022, the Federal Reserve increased interest rates for the first time since 2018, and we are anticipating this to continue throughout 2022. As a result, we are starting to get questions about the impact as banks are starting to see unrealized losses on their available-for-sale (AFS) securities. …

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Employee Retention: Tips for Exploring their Strengths

By Pinion Editorial | May 5, 2022
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Reading Time: 3 minutes
Thanks to platforms like LinkedIn, recruiting practices have changed dramatically over the past several years. Gone are the days of looking for a job, and for many people, the job now looks for them. Companies hire and develop high achieving professionals, so it is no surprise that their employees are …

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