By Cynthia R. Walker, CEO Credit unions in the asset range of 10 million to 250 million have seen their loan to total asset ratios increase in the last 5 years from a low of 49% to a ratio of 55% as of December 2017. Mark H. Smith, Inc. Peer Analysis Balance Sheet...
By Jason Williams-Portfolio Manager and President of Moreton Asset Management After the longest period in U.S. economic history of short-term interest rates remaining below 1 percent, the U.S. Federal Reserve initiated a rate tightening cycle that began in...
How The Interest Rate Environment Affects This Relationship By Matthew Jacobsen, VP In June of 2006 the federal funds target rate was at 5.25%. From 2007 to the end of 2008 the rate was decreased to a range of 0.00% to 0.25% where it remained until December of 2015....
Mark H. Smith, Inc. recently conducted a survey on CECL and Comprehensive Loan Analytics. This was a follow-up survey to the CECL survey we conducted earlier in the year (see previous CECL survey results here). This survey was designed to assess Mark H. Smith, Inc....
There is a time and season for many events. At our house, we have a birthday season because a majority of my family have birthdays grouped into two consecutive months. There are other seasons such as school starting, spring, or the holidays. As we enter the 4th...
