November 30, 2015
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November 2015: Assessing Risks to Financial Institutions
This issue of Supervisory Spotlight looks at the results from a recent assessment of risks facing institutions in the 12th District. The three highest concerns—BSA/AML, cybersecurity, and interest rate risk—are unchanged since April. However, rapid loan growth and rising CRE concentrations are reemerging on our radar screens. In addition to urging bankers to revisit existing guidance on CRE concentrations, we also highlight recent discussions in Community Banking Connections on underwriting concessions, extended maturities, and other concerns that are linked to asset concentrations in community banks. Finally, we remind bankers that effective risk management also encompasses the identification, control, and mitigation of risks of new and existing products and services.
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