Over the past year, Risk ID Team members in certain states have reported that apartment vacancy rates are on the rise in their local rental markets. Key Findings The national vacancy rate provides little insight into regional economic conditions. Job numbers are key to vacancy rates. Strong job growth will ensure that new rentals are leased. Stagnant wage growth has

Key Findings The final quarter of 2016 closed out with an underscoring of trends that were discussed throughout the year. Chief among these trends is a persistent loosening of underwriting standards and generally more accommodative credit administration practices across most lending segments and geographies. Agricultural regions, however, no longer seem to be following this trend, with such areas more commonly

Commercial and Industrial (C&I) lending is at an all-time high, with nearly $2.1 trillion in loans to businesses currently on the books of US commercial banks. After taking a hit following the financial crisis, the aggregate level of commercial lending has increased by more than 35% since 2010. [1] Key Findings Commercial & Industrial lending is at an all-time high

The banking industry continued to exhibit signs of greater liquidity stress through the third quarter of 2016. However, the type of liquidity risks faced by banks seems to differ based on their size and business model. For instance, while small banks are showing signs of tighter on-balance sheet liquidity, larger banks (particularly thrift institutions) are showing an increased dependence on

Key Findings The third quarter discussions and survey results indicate that a continued focus on credit risk management practices and concentration risks is warranted and has continued across most regions. However, there are indications that liquidity levels are tightening. With this tightening, examiners report that banks’ liquidity positions and contingency funding plans are garnering more supervisory attention. Summary of Findings