Management Advisory

TMIB Lite: Welcome to Matt Prosseda

Podcast Show Notes: Our This Month In Banking (TMIB) podcast features discussion with colleagues and other industry thought leaders on interesting banking news that happened this month. TMIB will be available on the last Wednesday of every month here, and on Apple and Droid podcast apps for your listening enjoyment. Join us on your commute […]


The Federal Home Loan Bank System: Lender of Next-to-Last Resort

“The FDIC recently has observed instances of liquidity stress at a small number of insured banks.” So opened the Summer 2017 FDIC Supervisory Insights issue. And so went your exams. At a recent banking conference an industry consultant said, matter of factly, that in times of stress your Federal Home Loan Bank (FHLB) borrowing capacity […]


Time to Pull the Plug on CRA?

In Richard J. Parson’s book, Broke: America’s Banking System, he suggested that bankers and examiners major in the majors. By that, he meant sweat the big stuff; and by big stuff, he meant risks that tend to lead to bank failures. Lead among them, and without a near rival, is credit risk. Bankers and examiners […]


Women in Banking

Since I began my banking career approximately 38 years ago, the financial industry has experienced dramatic change, particularly as it relates to the adaption and utilization of technology, customer delivery channels, and the continued consolidation of the industry. One dramatic change that has not occurred is the number of women who hold positions in the […]


Lessons from Management Reviews

Over the past three years, TKG has been engaged by a significant number of banks to provide an assessment of the capabilities of management to operate the bank in a safe and sound manner.  Most, but not all, of these assessments have been required by regulatory requirements, expressed either in formal enforcement actions or through […]


What Kind of Board of Directors Does Your Bank Have?

As a result of the financial crisis and subsequent recession, Board oversight has become a more significant issue to both regulators and shareholders.  Proper corporate governance and the role of the Board of Directors is an often debated subject.  Regulators are increasingly asking for Board and management studies to determine if the “right” people are […]