https://dev.visbanking.comArchive of Visbanking blog articles on bank data, call reports and the banking industry.https://dev.visbanking.com/blog/the-ffiec-regulating-and-supervising-financial-institutions-to-maintain-a-safe-and-sound-financial-system/https://dev.visbanking.com/blog/the-ffiec-regulating-and-supervising-financial-institutions-to-maintain-a-safe-and-sound-financial-system/Mon, 12 Jun 2023 12:00:00 GMTEstimated reading time: 9 minutes Table of contents - I. Introduction h-i-introduction - II. What is the FFIEC and what does it do?…https://dev.visbanking.com/blog/bank-call-reports-the-financial-pulse-of-the-banking-industry/https://dev.visbanking.com/blog/bank-call-reports-the-financial-pulse-of-the-banking-industry/Sun, 11 Jun 2023 12:00:00 GMTEstimated reading time: 0 minutes Table of contents - Overview of Bank Call Reports h-overview-of-bank-call-reports - Financial Information Provided by Bank…https://dev.visbanking.com/blog/seeing-is-believing-the-power-of-financial-data-visualization/https://dev.visbanking.com/blog/seeing-is-believing-the-power-of-financial-data-visualization/Sat, 10 Jun 2023 12:00:00 GMTEstimated reading time: 4 minutes Table of contents - I. Introduction h-i-introduction - II. Why is data visualization important in finance?…https://dev.visbanking.com/blog/capital-banking-in-the-usa-an-overview-of-investment-services-financial-instruments-and-regulations/https://dev.visbanking.com/blog/capital-banking-in-the-usa-an-overview-of-investment-services-financial-instruments-and-regulations/Fri, 09 Jun 2023 12:00:00 GMTEstimated reading time: 0 minutes Table of contents - Introduction to Capital Banking in the USA h-introduction-to-capital-banking-in-the-usa - Investment…https://dev.visbanking.com/blog/cfpb-issue-spotlight-addresses-concerns-about-bank-use-of-ai-chatbots/https://dev.visbanking.com/blog/cfpb-issue-spotlight-addresses-concerns-about-bank-use-of-ai-chatbots/Fri, 09 Jun 2023 12:00:00 GMTThe Consumer Financial Protection Bureau CFPB has released a new issue spotlight focusing on AI chatbots in the banking industry. According to the agency,…https://dev.visbanking.com/blog/i-spent-3-days-with-my-team-in-turkey-and-insisted-that-no-one-open-their-laptops/https://dev.visbanking.com/blog/i-spent-3-days-with-my-team-in-turkey-and-insisted-that-no-one-open-their-laptops/Fri, 09 Jun 2023 12:00:00 GMTI wanted 3 days of us simply being together. We could talk about technical things, Discuss ongoing projects, And do work-related things, But there were no…https://dev.visbanking.com/blog/new-regulatory-rules-could-increase-bank-capital-requirements-by-20/https://dev.visbanking.com/blog/new-regulatory-rules-could-increase-bank-capital-requirements-by-20/Fri, 09 Jun 2023 12:00:00 GMTLast month, Federal Reserve vice chair for supervision Michael Barr told Congress that new bank capital rules were being formulated. A new report from Reuters…https://dev.visbanking.com/blog/adapting-to-new-tech-is-crucial-for-smaller-banks-to-keep-up/https://dev.visbanking.com/blog/adapting-to-new-tech-is-crucial-for-smaller-banks-to-keep-up/Thu, 08 Jun 2023 12:00:00 GMTJust 1 problem: Many of them don’t have the teams and technical knowledge to implement these changes. They could hire someone to do it for them, or even build…https://dev.visbanking.com/blog/the-money-makers-a-deep-dive-into-bank-financial-statements/https://dev.visbanking.com/blog/the-money-makers-a-deep-dive-into-bank-financial-statements/Thu, 08 Jun 2023 12:00:00 GMTEstimated reading time: 8 minutes Table of contents - I. Introduction h-i-introduction - II. Components of Bank Financial Statements…https://dev.visbanking.com/blog/if-asset-liability-committees-met-more-frequently-not-only-would-they-be-able-to-better-manage-liquidity-and-risk-they-could-even-improve-overall-bank-operations/https://dev.visbanking.com/blog/if-asset-liability-committees-met-more-frequently-not-only-would-they-be-able-to-better-manage-liquidity-and-risk-they-could-even-improve-overall-bank-operations/Wed, 07 Jun 2023 12:00:00 GMTThe first step to having weekly meetings instead of quarterly would have to be to create an effective dashboard giving deep insight on the liquidity situation…https://dev.visbanking.com/blog/why-bank-financial-data-matters-insights-and-applications-for-individuals-and-businesses/https://dev.visbanking.com/blog/why-bank-financial-data-matters-insights-and-applications-for-individuals-and-businesses/Wed, 07 Jun 2023 12:00:00 GMTEstimated reading time: 13 minutes Table of contents - I. Introduction h-i-introduction - II. What is bank financial data? h-ii-what-is-bank-financial-data -…https://dev.visbanking.com/blog/alco-meetings-shouldnt-be-quarterly-they-shouldnt-even-be-monthly-and-they-definitely-shouldnt-be-run-by-the-board/https://dev.visbanking.com/blog/alco-meetings-shouldnt-be-quarterly-they-shouldnt-even-be-monthly-and-they-definitely-shouldnt-be-run-by-the-board/Tue, 06 Jun 2023 12:00:00 GMTThe Asset Liability Committee needs to be a management-level committee, and they need to meet weekly. Especially in unstable economic times like these, A…https://dev.visbanking.com/blog/how-i-would-handle-the-implementation-of-a-major-api-as-a-bank-leader-knowing-it-would-significantly-change-the-roles-of-many-of-my-employees/https://dev.visbanking.com/blog/how-i-would-handle-the-implementation-of-a-major-api-as-a-bank-leader-knowing-it-would-significantly-change-the-roles-of-many-of-my-employees/Sat, 03 Jun 2023 12:00:00 GMT1/ Get out in front of it. Word will spread quickly if something like this is on the horizon. Rumors will spread, and most of them won’t be accurate. Don’t let…https://dev.visbanking.com/blog/the-commoditization-of-core-banking-functions-is-not-causing-layoffs/https://dev.visbanking.com/blog/the-commoditization-of-core-banking-functions-is-not-causing-layoffs/Sat, 03 Jun 2023 12:00:00 GMTIt’s simply giving time back to employees in order for them to do higher leverage work. With the vast improvements in AI and tech in general, there is growing…https://dev.visbanking.com/blog/us-bank-deposits-saw-huge-decline-in-first-quarter-2023/https://dev.visbanking.com/blog/us-bank-deposits-saw-huge-decline-in-first-quarter-2023/Sat, 03 Jun 2023 12:00:00 GMTThe Federal Deposit Insurance Corporation FDIC has confirmed a notable decline in U.S. bank deposits in early 2023. According to a new quarterly report…https://dev.visbanking.com/blog/covid-stimulus-was-nice-in-theory-increase-economic-activity-by-giving-people-more-money-to-spend/https://dev.visbanking.com/blog/covid-stimulus-was-nice-in-theory-increase-economic-activity-by-giving-people-more-money-to-spend/Thu, 01 Jun 2023 12:00:00 GMTBut ultimately, all that money went BACK to the government. If you take a look at the charts below, You can see both the money supply and the deposit curve…https://dev.visbanking.com/blog/excessive-covid-stimulus-has-led-to-a-giant-game-of-whack-a-mole/https://dev.visbanking.com/blog/excessive-covid-stimulus-has-led-to-a-giant-game-of-whack-a-mole/Wed, 31 May 2023 12:00:00 GMTExcept these moles have real-world consequences. All the economic chaos that has happened and continues to happen can be traced back to the triggering event of…https://dev.visbanking.com/blog/first-citizens-confirms-svb-worker-layoffs/https://dev.visbanking.com/blog/first-citizens-confirms-svb-worker-layoffs/Sat, 27 May 2023 12:00:00 GMTWorker layoffs, silicon valley bank, first citizens bank, Frank Holding Jr, workforce cuts, banking crisis, financial, banks, Axioshttps://dev.visbanking.com/blog/more-banks-will-fail-in-the-coming-months/https://dev.visbanking.com/blog/more-banks-will-fail-in-the-coming-months/Sat, 27 May 2023 12:00:00 GMTWe may be through the worst of it, But we aren’t out of the weeds yet. To stay afloat, banks will have to manage liquidity well. When I consult with a bank…https://dev.visbanking.com/blog/fed-survey-highlights-inflations-impact-on-americans-financial-health/https://dev.visbanking.com/blog/fed-survey-highlights-inflations-impact-on-americans-financial-health/Thu, 25 May 2023 12:00:00 GMTThe Federal Reserve released its 2022 Survey of Household Economics and Decision Making SHED findings on Monday. That report confirmed what many analysts had…