Latest comments for http://www.ababj.com , comment 0 to 2 out of 2 comments http://www.ababj.com Wed, 19 Jun 2013 14:23:49 +0100 FeedCreator 1.7.2 http://www.ababj.com/myblog/making-examinations-go-better.html#pc_346 We recently completed our regulatory examination and I am happy to say that we did not find it significantly more onerous than previous exams—in fact, there was less than in previous exams. Asset quality understandably received the most attention, like many community banks in slower growth markets. I believe strong capital, prudent underwriting, and knowing your market and customers helped us avoid many of the problems that affected others in more active markets. - Rheo Brouillard Thu, 11 Mar 2010 18:20:38 +0100 http://www.ababj.com/myblog/making-examinations-go-better.html#pc_345 It’s no secret that there have been plenty of regulatory orders issued—and published—dealing with banks in our area. We’ve taken the stand that we can learn from others’ experience. Every time an order affecting a bank in our region comes out, we go to the appropriate agency’s website to get hold of it, and parse it to see what the regulators seem to be expecting and what they find fault with. Then we hold that list up against our own operation, and see where we are strong and where we have some work to do. Using this real-world yardstick has stood us in good stead through this troublesome period, and is the best way we know of to prepare for an exam and to make sure it goes as smoothly as possible. These days, no banker can really say that what the bank examiners are looking for and looking at comes as a surprise, when you see that they publish these orders. - Dan Blanton Thu, 11 Mar 2010 18:19:04 +0100