• RileyREO.com Launched
• Overdraft Programs - The Next Chapter
• Bank Failures, Texas Ratios and 2011: Not a Pretty Sight
• HUB International Reduces Insurance Costs on NPAs
• FIRSINC - Working with Investors and Banks

April 2010:

• FIRSINC Year-In-Review
• $41 Billion in OREO Properties and the ICBA Survey on OREO Disposition Efforts
• HUB International Reduces Insurance Costs on NPAs

January 2010:

• Joe Bartolotta: New Year, New Defaults - If you thought 2009 was scary, wait for the sequel - opening 2Q 2010 at a portfolio near you!
• RileyREO.com: Getting bank OREO properties in front of every possible buyer.
• First Penn and the FDIC - It's not deja vu all over again, but here's the warning
• Another Fearless Prediction and this Time, It's Political: Let's scrap the current homeowners assistance programs and start all over
• The OREO Tables - not a pretty sight

September 2009:

• Jim Wilkson: 7 Steps to Effective Vendor Evaluation
• RileyREO: Improving the Management Oversight of OREO Properties
• Net Interest Margin and Non Interest Income to Earning Asset Ratios Slightly Improve, But No Cause for Celebration
• Merging the FRB, OCC, OTS and FDIC - Just Not a Good Idea

July/August 2009:

• David Danielson, Danielson Associates: Valuation of TARP Warrants
• Richard Deutsch, Titan Executive Compensation: TARP Update
• Ralph Dahm, IT Audit Search: Skimping on Lookbacks - Not a Great Idea
• Fearless Prediction Update
• Open Letter on Making Loan Modifications Work

June 2009:

• Net Interest Margins Increase !!!!! - Well, Not Exactly For Every Bank
• The 2008 Financial Services Meltdown and the Federal Government's Response
• Oh Really?... Banks and TARP
• Fearless Prediction: Update

May 2009:

• The Home Equity Conversion Mortgage Product - an Intriguing Product at an Opportune Time
• The SBA and the 2009 Recovery Act - Well Worth Taking a Look At
• Commentary - Helping Everyone Find Work and Being a Great Community Bank
• Looking Out Five Years and FIRSINC
• Fearless Prediction: Update - Chairman Bernanke's Comments

April 2009:

• CDARS: Bankers Competitive Edge
• The OCC/OTS Mortgage Metrics 2008 Report and Why We Need to Take Another Look At How We're Assisting Homeowners In Crisis
• Reagan, Ponies and FIRSINC - It All Makes Sense
• Leadership 101 - Accountability, Bonuses, Unemployment and Doing What's Right
• Fearless Prediction Update: The Bear Market Ends on December 9, 2009, Give or Take a Month or Two

March 2009:

• Know Your Customer Regulations and Enhanced Due-Diligence in a Difficult Lending Environment
• The Bear Market Will End on December 9, 2009... Give or Take A Month or Two - Here's Why

February 2009:

• The Economic Recovery Will Depend on Developing Programs that Every Bank Can Use
• Hundreds of Community Banks Are Now Offering High Interest Checking Accounts - Are These Guys Nuts, or What?
• Insuring to a Better Tomorrow - Utilizing Operational Risk Management to Decrease Costs to Increase Efficiency
• Commentary: Leadership 101: Layoffs, Limos and Other Loony Ideas
• Here's Why It's So Hard to Modify a Mortgage: MSNBC: The Mortgage Modification Mess

Special Commentary, February 19, 2009:

• Homeowner Affordability and Stability Plan

January 2009:

• Community Banks, Despite rough 2008, Will be Critical to the Economic Recovery of the Nation
• Commentary: Leadership 101

The Riley Plan: 2008 Neighborhood Mortgage Stabilization Program

• Program Proposal, Presentation, January 2009
• Program Proposal, White Paper, November 2008

Bank Resources and Solutions

a division of Financial Institutions Resources and Solutions, Inc.
Phone: 757-642-8353
mriley@bankresourcesandsolutions.com