Community Banking Bulletin
Provides insights on trends or activities of primary interest to the community banking industry.
Recent Highlights and Features
Highlight: Unrealized Losses Lowering Tangible Equity Capital
The rising interest rate environment has led to unrealized loss positions in community bank* available-for-sale securities...
Highlight: Capital Adequacy Measures Diverge During Pandemic
Unprecedented asset growth during the pandemic placed downward pressure on leverage capital ratios while total risk-based...
Highlight: Decreased Gains on Loan Sales Driving Drop in Noninterest Income
Revenue from secondary market sales of loans continues to decline, in line with the drop in reported* sales of 1-4 family...
Feature: Effects of Pandemic Unlike Previous Financial Crisis
While the COVID-19 pandemic brought uncertainty across the financial sector, community banks have fared better than in the...
Highlight: Unrealized Losses Mount Across Securities Portfolios
As a result of recent interest rate increases and the lengthening of maturities in securities portfolios during the pandemic, ...
Highlight: Earnings Support Dividends and Moderate Declining Leverage Ratio Trend at Community Banks
Higher earnings in 2021 have supported continued dividend payouts and capital growth to moderate the downward pressure of...
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For questions and comments, please contact KC.SRM.SRA.CommunityBankingBulletin@kc.frb.org.