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Central Banker

Winter 2009

Special Issue: Central Banker Looks at Commercial Real Estate and Problem Debt

Commercial real estate lending problems are coming to the fore, possibly creating a one-two punch to banks on the heels of the tremendous losses in residential real estate.  Many banks are finding themselves challenged by CRE lending, and others are looking for ways to effectively handle problem assets and troubled debt.  Listen to an introduction from Julie Stackhouse, senior vice president and managing officer of the St. Louis Fed’s Banking Supervision, Credit and Center for Online Learning Division.

Commercial Real Estate Lending Challenges Banks in District

The numbers provide clues to project when commercial and industrial vacancy rates will finally peak in several District metro areas.

In-Depth: Get Back to the Basics on CRE—Examiners Offer Six Best Practices To Help Banks

Banks should ensure that a proactive risk management strategy is in place

In-Depth: Debt Restructuring—Is It a Simple Refinancing or Troubled Debt Restructuring?

Determination measurements include impairment, discounted cash flow and interest income recognition

In-Depth: When Problems Arise—The Transfer of Problem Assets from Banks to Holding Companies

Central View: Too Big To Fail Is Too Big To Ignore

Economic Focus: Banks in Smaller Markets Have Outperformed Larger Metro Banks

Quarterly Report: Profits Up at District Banks, but Problem Assets Cloud the Outlook

Regional Spotlight

Central Banker Online-only Content

For Your Staff: Stay Informed on New FedCash^® Services (New)

Streamlined and standardized procedures to make services easier.

Regulations Spotlight: Several Regulation Z (Truth in Lending) and Regulation E Changes Coming in 2010

• Questions about Repayment of Higher-Priced Mortgages
• Second Phase of Credit Card Act Provisions
• Declining Overdraft Protection without Penalty

Regulations Spotlight: Fed Issues Executive Compensation Proposals

• Agencies Propose Substantive Changes to Accounting Standards
• Limits Sought on Financial Institution Reporting Burden
• Final Rules Issued for Mortgage Loans Modified under HAMP

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