ViewPoint: Spotlight: Introduction
Spotlight: Banker Outreach |
Spotlight: Basel III |
State of the District |
National Banking Trends
By Michael Johnson, Senior Vice President
Supervision & Regulation
Federal Reserve Bank of Atlanta
As we enter the autumn of 2012, I am happy to report that the financial condition of banks in the Sixth District continues to improve. Of note, we have seen rising loan growth, which has expanded beyond the commercial and industrial lending area. Despite favorable trends, the banking industry faces a number of challenges, many of which were highlighted at a recent banker outreach forum hosted by the Federal Reserve Bank of Atlanta in Chattanooga, Tennessee. Shortly after the Chattanooga conference, the Atlanta Fed hosted a smaller gathering of community bankers at our Birmingham Branch, which featured comments and a Q&A with Federal Reserve Governor Betsy Duke. Many of these same themes were discussed at the event.
State of the District
Basel III notices for proposed rulemaking
Outreach event in Tennessee
Following President Lockhart's remarks, Capstar Bank President and Chief Executive Officer Claire Tucker also solicited bankers' insights, which she shares with Federal Reserve policymakers as part of her service on the Federal Reserve's Community Depository Institutions Advisory Council (CDIAC). Established in 2010, CDIAC meets twice a year at the Federal Reserve Board in Washington, D.C.
The majority of the Chattanooga conference was designed to stimulate a dialogue among the bankers themselves. There were two main sessions on profitability drivers and risk management considerations, both of which started by using instant-polling technology to garner a sense of the group on a variety of key questions in these two subject areas, followed by a dialogue facilitated by Katie Edge, an attorney with the regional law firm Butler, Snow, O'Mara, Stevens & Cannada PLC. I'd like to encourage the "ViewPoint" readership to take the poll the bankers took at the forum, and in the December "ViewPoint," we plan to share the results of your input, plus some related analysis.
As always, I look forward to hearing from our readers, so please share with me any feedback you may have at ViewPoint@atl.frb.org, and best wishes on continued profitability for the remainder of the year and into 2013.