Seeking community bankers

[Edsbank at aol.com]

There are various levels of community development banking.

COMMUNITYDEVELOPMENTBANKING-L appears to enjoy good participation from
government sponsored community development corporations and alternative
credit unions. Since these are the obvious targets for the list, this is
great. But there is another source of community development funds.
Community based savings and co-operative banks are not government sponsored
but government regulated. They may look at profitability and safety and
soundness issues in a different light than that used by government sponsored
organizations. To support our communities we must be profitable and this
brings up many issues of mutual interest. These issues relate to the
continued ability to make community based loans, although they may not, on
the surface, relate directly to community development lending.

I am an officer of a small ($50 million) single location mutual institution
which is firmly based in our community for home purchase financing and for
small businesses and civic activities which are not supported by larger
banks. I seek correspondence with other community based private institutions
and other interested persons. Possible issues for discussion include:
BIF vs. SAIF disparity and its impact on community landing.
Regulatory shifts on CRA compliance review.
Impact of the dual regulatory structure for state chartered banks.
Underwriting standards for community based small business loans.
The small community bank as a micro or mini lender.
CRA vs. safety and soundness.
Interest rate risk in a small institution.
Taxation disparity between community credit unions and community banks.
Use of derivatives.
FDIC vs. OTS position on mutuality.
Deposit run-offs in the current interest environment.
Impact of Fed rate increases.
Lending products for the community.
Are ther other lists or newsgroups for community bankers.
Capital access programs.

If you have interest in these or other issues related to community based
banking please respond via this list or, if you believe such topics not
appropriate for this list, directly to Edsbank@aol.com.


Best regards,
Ed Silver


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[CenBrook at aol.com]

Mr. Silver:

I hope you (and other community banks) will continue to post here; we
probably have a great deal in common and could benefit from more discussion.

--Errol Louis
Manager, Central Brooklyn Federal Credit Union




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[wlm4 at cornell.edu (Will]

>I am an officer of a small ($50 million) single location mutual institution
>which is firmly based in our community for home purchase financing and for
>small businesses and civic activities which are not supported by larger
>banks.

These are my favorites among the issues you brought up:

>Underwriting standards for community based small business loans.
>The small community bank as a micro or mini lender.
>Interest rate risk in a small institution.
>Lending products for the community.
>Are there other lists or newsgroups for community bankers.
>Capital access programs.

>If you have interest in these or other issues related to community based
>banking please respond via this list or, if you believe such topics not
>appropriate for this list, directly to Edsbank@aol.com.


Are there others like you at home? I would like to see more discussion of
the issues you described too. Are there mediums through which you could
identify other interested parties and invite them to join the discussion?
When I attend conferences, I xerox a supply of descriptions of the list and
place them on a display table to encourage my colleagues to join. I've also
corresponded with several CU publications which have picked up the topic for
a sidebar. I also mention the list in my e-mail signature.

Bill Myers


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