C&I OR CRE | CENTERSTATE CORRESPONDENT BANK CenterState has gone out to establish multiple national relationships in order to bring your bank loans, often in your area, that you might normally not have seen. These loans fall into two categories: national commercial and industrial credits (C&I) and local SBA 504 loans.National C&I loans are multi-million dollar facilities led by large national banks. 3 IMPORTANT THINGS FOR BANKS TO IMPROVE COMMERCIAL The power of three suggests that things that come in threes seem wittier, more understandable, and more memorable than things that come in other numbers. This concept is utilized in comedy, academia, and banking. We identify the three most important concepts that high-performing community bankers are deploying today to drive profitability and decrease risk. We call it the “2018 YOUR BANK’S ENGAGEMENT HAS MUCH TO DO WITH WHAT YOUR A bank produces a steady stream of marketing content – events, press releases, letters from the CEO, white papers, news stories and the alike. As content becomes increasingly important, banks can better leverage their marketing dollars and branding efforts by making sure content hits its market. Data from AOL Insights of over 7,300 content engagements clearly show when a customer PREDICTIVE ANALYTICS YOUR BANK NEEDS TO KNOW ON SELF How is your lending expertise when it comes to self-storage loans? Since the lending sector is risky compared to other traditional bank lending lines, it pays to understand not only the drivers of risk, but now since the rise of data analytics, what factors help tip the probabilities of success in your favor. This article highlights a continued trend in banking of how lenders FED ANNOUNCES UNLIMITED QE WHILE STIMULUS BILL STUCK IN The Fed moved again this morning vowing an open-ended QE program in size and scope and also announcing that a Main Street Business Lending Program will soon be formally announced. The Fed news sent equity futures higher and Treasuries rallying also. The Senate is expected to follow up on two bills passed last week with much larger stimulus TAG: DISASTER PLANNING South State Bank and CenterState Bank, N.A. have merged to become South State Bank, N.A. Please visit bankingforward.com to learn more.. Duncan Williams, Inc. (DWI) is a wholly owned subsidiary of South State Bank, N.A. (SSB). | CENTERSTATE CORRESPONDENT BANK Signup today for free to get the latest banking performance strategies, tactics and insight delivered right to your inbox. Find out what thousands of banks, regulators MANAGING DEPOSIT ACTIVITY TO CREATE FRANCHISE VALUE Managing Deposit Activity To Create Franchise Value. When it comes to determining the value of a deposit base, there are three major components that drive franchise value: effective cost of funds, interest rate sensitivity (duration and convexity) and volatility. It is a rare bank that can manage all three dimensions of deposit

performance and

CAPITAL IN THE 21ST CENTURY BANK Since summer, there has been a wave of shared experience started by a largely unknown French economist that produced “Capital in the Twenty-First Century.” Written by Thomas Piketty, the tome has become the conversation piece du jour among bankers. In case you missed it, the book is about economic inequality. This is no Fifty Shades of Grey, as considering the book is 700 SERVICES.CSBCORRESPONDENT.COM services.csbcorrespondent.com C&I OR CRE | CENTERSTATE CORRESPONDENT BANK CenterState has gone out to establish multiple national relationships in order to bring your bank loans, often in your area, that you might normally not have seen. These loans fall into two categories: national commercial and industrial credits (C&I) and local SBA 504 loans.National C&I loans are multi-million dollar facilities led by large national banks. 3 IMPORTANT THINGS FOR BANKS TO IMPROVE COMMERCIAL The power of three suggests that things that come in threes seem wittier, more understandable, and more memorable than things that come in other numbers. This concept is utilized in comedy, academia, and banking. We identify the three most important concepts that high-performing community bankers are deploying today to drive profitability and decrease risk. We call it the “2018 YOUR BANK’S ENGAGEMENT HAS MUCH TO DO WITH WHAT YOUR A bank produces a steady stream of marketing content – events, press releases, letters from the CEO, white papers, news stories and the alike. As content becomes increasingly important, banks can better leverage their marketing dollars and branding efforts by making sure content hits its market. Data from AOL Insights of over 7,300 content engagements clearly show when a customer PREDICTIVE ANALYTICS YOUR BANK NEEDS TO KNOW ON SELF How is your lending expertise when it comes to self-storage loans? Since the lending sector is risky compared to other traditional bank lending lines, it pays to understand not only the drivers of risk, but now since the rise of data analytics, what factors help tip the probabilities of success in your favor. This article highlights a continued trend in banking of how lenders FED ANNOUNCES UNLIMITED QE WHILE STIMULUS BILL STUCK IN The Fed moved again this morning vowing an open-ended QE program in size and scope and also announcing that a Main Street Business Lending Program will soon be formally announced. The Fed news sent equity futures higher and Treasuries rallying also. The Senate is expected to follow up on two bills passed last week with much larger stimulus TAG: DISASTER PLANNING South State Bank and CenterState Bank, N.A. have merged to become South State Bank, N.A. Please visit bankingforward.com to learn more.. Duncan Williams, Inc. (DWI) is a wholly owned subsidiary of South State Bank, N.A. (SSB). | CENTERSTATE CORRESPONDENT BANK Signup today for free to get the latest banking performance strategies, tactics and insight delivered right to your inbox. Find out what thousands of banks, regulators MANAGING DEPOSIT ACTIVITY TO CREATE FRANCHISE VALUE Managing Deposit Activity To Create Franchise Value. When it comes to determining the value of a deposit base, there are three major components that drive franchise value: effective cost of funds, interest rate sensitivity (duration and convexity) and volatility. It is a rare bank that can manage all three dimensions of deposit

performance and

CAPITAL IN THE 21ST CENTURY BANK Since summer, there has been a wave of shared experience started by a largely unknown French economist that produced “Capital in the Twenty-First Century.” Written by Thomas Piketty, the tome has become the conversation piece du jour among bankers. In case you missed it, the book is about economic inequality. This is no Fifty Shades of Grey, as considering the book is 700 SERVICES.CSBCORRESPONDENT.COM services.csbcorrespondent.com YOUR BANK’S ENGAGEMENT HAS MUCH TO DO WITH WHAT YOUR A bank produces a steady stream of marketing content – events, press releases, letters from the CEO, white papers, news stories and the alike. As content becomes increasingly important, banks can better leverage their marketing dollars and branding efforts by making sure content hits its market. Data from AOL Insights of over 7,300 content engagements clearly show when a customer FOREIGN EXCHANGE ADVISORY SERVICES With exchange rates fluctuating daily, CenterState Bank’s foreign exchange specialists can help advise your institution, thus helping your customers manage their foreign exchange risk. For more information, please contact Janet Reynolds at (770) 850-3420 or via email at jreynolds@centerstatebank.com. HOW TO GET YOUR BANK’S RISK-RETURN EQUATION RIGHT Most bankers are familiar with the concept of a risk-return trade-off. This is the principle that potential return rises with an increase in risk. Low levels of risk pays low potential returns, whereas high levels of risk pay high potential returns. Further, bankers are taught early in their career that they are in the business of taking risk and without taking risk banks | CENTERSTATE CORRESPONDENT BANK Signup today for free to get the latest banking performance strategies, tactics and insight delivered right to your inbox. Find out what thousands of banks, regulators

TAG: NOTE TAKING

“This commentary on this blog reflects the personal opinions, viewpoints, and analysis of the author and not CenterState Bank. This blog is only intended to provide general education about the banking industry, leadership, risk management, and other related topics and is not intended to provide any specific recommendations. TAG: COMMERCIAL ACCOUNTS Banks that are moving away from being transactional have recently been promoting more bundled accounts. For example, banks on their game actively market a high-net-worth elite checking product to the principals of their commercial accounts and commercial account packages to their high net worth business owners. MARKET AWAITS THE FED The FOMC concludes two days of meetings today and that means the market will mark time until 2pm ET. While there’s no chance of a rate hike, the real drama will be in just how dovish the Fed is in its statement, forecasts and press conference. We expect that the balance sheet tapering will be discussed too with the shrinking of the Treasury portfolio possibly completed by year-end.

SEPTEMBER 2014

While it is debatable when the Fed will raise interest rates, we now know we are getting closer. In all likelihood, October marks the end of the Fed’s Quantitative Easing Program and now the question is just how the Fed will reverse a large portion of the $4.4T of investment that sits on our Nation’s balance sheet.

APRIL 13, 2015

Short-term Rates Fed Funds Prime Imo LIBOR 3mo LIBOR 6mo LIBOR LIBOR Forward Rates 10'. 00'. LIBOR Swaps CST Yields 0.91 1.40 1.73 1.95 3mo

LIBOR caps

SEPTEMBER 28, 2015

Short-term Rates Fed Funds Prime Imo LIBOR 3mo LIBOR 6mo LIBOR LIBOR Forward Rates 30'. 10'. 00'. LIBOR Swaps CST Yields 0.99 1.46 2.14 3mo

LIBOR caps

C&I OR CRE | CENTERSTATE CORRESPONDENT BANK CenterState has gone out to establish multiple national relationships in order to bring your bank loans, often in your area, that you might normally not have seen. These loans fall into two categories: national commercial and industrial credits (C&I) and local SBA 504 loans.National C&I loans are multi-million dollar facilities led by large national banks. 3 IMPORTANT THINGS FOR BANKS TO IMPROVE COMMERCIAL The power of three suggests that things that come in threes seem wittier, more understandable, and more memorable than things that come in other numbers. This concept is utilized in comedy, academia, and banking. We identify the three most important concepts that high-performing community bankers are deploying today to drive profitability and decrease risk. We call it the “2018 YOUR BANK’S ENGAGEMENT HAS MUCH TO DO WITH WHAT YOUR A bank produces a steady stream of marketing content – events, press releases, letters from the CEO, white papers, news stories and the alike. As content becomes increasingly important, banks can better leverage their marketing dollars and branding efforts by making sure content hits its market. Data from AOL Insights of over 7,300 content engagements clearly show when a customer PREDICTIVE ANALYTICS YOUR BANK NEEDS TO KNOW ON SELF How is your lending expertise when it comes to self-storage loans? Since the lending sector is risky compared to other traditional bank lending lines, it pays to understand not only the drivers of risk, but now since the rise of data analytics, what factors help tip the probabilities of success in your favor. This article highlights a continued trend in banking of how lenders FED ANNOUNCES UNLIMITED QE WHILE STIMULUS BILL STUCK IN The Fed moved again this morning vowing an open-ended QE program in size and scope and also announcing that a Main Street Business Lending Program will soon be formally announced. The Fed news sent equity futures higher and Treasuries rallying also. The Senate is expected to follow up on two bills passed last week with much larger stimulus TAG: DISASTER PLANNING South State Bank and CenterState Bank, N.A. have merged to become South State Bank, N.A. Please visit bankingforward.com to learn more.. Duncan Williams, Inc. (DWI) is a wholly owned subsidiary of South State Bank, N.A. (SSB). | CENTERSTATE CORRESPONDENT BANK Signup today for free to get the latest banking performance strategies, tactics and insight delivered right to your inbox. Find out what thousands of banks, regulators MANAGING DEPOSIT ACTIVITY TO CREATE FRANCHISE VALUE Managing Deposit Activity To Create Franchise Value. When it comes to determining the value of a deposit base, there are three major components that drive franchise value: effective cost of funds, interest rate sensitivity (duration and convexity) and volatility. It is a rare bank that can manage all three dimensions of deposit

performance and

CAPITAL IN THE 21ST CENTURY BANK Since summer, there has been a wave of shared experience started by a largely unknown French economist that produced “Capital in the Twenty-First Century.” Written by Thomas Piketty, the tome has become the conversation piece du jour among bankers. In case you missed it, the book is about economic inequality. This is no Fifty Shades of Grey, as considering the book is 700 SERVICES.CSBCORRESPONDENT.COM services.csbcorrespondent.com C&I OR CRE | CENTERSTATE CORRESPONDENT BANK CenterState has gone out to establish multiple national relationships in order to bring your bank loans, often in your area, that you might normally not have seen. These loans fall into two categories: national commercial and industrial credits (C&I) and local SBA 504 loans.National C&I loans are multi-million dollar facilities led by large national banks. 3 IMPORTANT THINGS FOR BANKS TO IMPROVE COMMERCIAL The power of three suggests that things that come in threes seem wittier, more understandable, and more memorable than things that come in other numbers. This concept is utilized in comedy, academia, and banking. We identify the three most important concepts that high-performing community bankers are deploying today to drive profitability and decrease risk. We call it the “2018 YOUR BANK’S ENGAGEMENT HAS MUCH TO DO WITH WHAT YOUR A bank produces a steady stream of marketing content – events, press releases, letters from the CEO, white papers, news stories and the alike. As content becomes increasingly important, banks can better leverage their marketing dollars and branding efforts by making sure content hits its market. Data from AOL Insights of over 7,300 content engagements clearly show when a customer PREDICTIVE ANALYTICS YOUR BANK NEEDS TO KNOW ON SELF How is your lending expertise when it comes to self-storage loans? Since the lending sector is risky compared to other traditional bank lending lines, it pays to understand not only the drivers of risk, but now since the rise of data analytics, what factors help tip the probabilities of success in your favor. This article highlights a continued trend in banking of how lenders FED ANNOUNCES UNLIMITED QE WHILE STIMULUS BILL STUCK IN The Fed moved again this morning vowing an open-ended QE program in size and scope and also announcing that a Main Street Business Lending Program will soon be formally announced. The Fed news sent equity futures higher and Treasuries rallying also. The Senate is expected to follow up on two bills passed last week with much larger stimulus TAG: DISASTER PLANNING South State Bank and CenterState Bank, N.A. have merged to become South State Bank, N.A. Please visit bankingforward.com to learn more.. Duncan Williams, Inc. (DWI) is a wholly owned subsidiary of South State Bank, N.A. (SSB). | CENTERSTATE CORRESPONDENT BANK Signup today for free to get the latest banking performance strategies, tactics and insight delivered right to your inbox. Find out what thousands of banks, regulators MANAGING DEPOSIT ACTIVITY TO CREATE FRANCHISE VALUE Managing Deposit Activity To Create Franchise Value. When it comes to determining the value of a deposit base, there are three major components that drive franchise value: effective cost of funds, interest rate sensitivity (duration and convexity) and volatility. It is a rare bank that can manage all three dimensions of deposit

performance and

CAPITAL IN THE 21ST CENTURY BANK Since summer, there has been a wave of shared experience started by a largely unknown French economist that produced “Capital in the Twenty-First Century.” Written by Thomas Piketty, the tome has become the conversation piece du jour among bankers. In case you missed it, the book is about economic inequality. This is no Fifty Shades of Grey, as considering the book is 700 SERVICES.CSBCORRESPONDENT.COM services.csbcorrespondent.com YOUR BANK’S ENGAGEMENT HAS MUCH TO DO WITH WHAT YOUR A bank produces a steady stream of marketing content – events, press releases, letters from the CEO, white papers, news stories and the alike. As content becomes increasingly important, banks can better leverage their marketing dollars and branding efforts by making sure content hits its market. Data from AOL Insights of over 7,300 content engagements clearly show when a customer FOREIGN EXCHANGE ADVISORY SERVICES With exchange rates fluctuating daily, CenterState Bank’s foreign exchange specialists can help advise your institution, thus helping your customers manage their foreign exchange risk. For more information, please contact Janet Reynolds at (770) 850-3420 or via email at jreynolds@centerstatebank.com. HOW TO GET YOUR BANK’S RISK-RETURN EQUATION RIGHT Most bankers are familiar with the concept of a risk-return trade-off. This is the principle that potential return rises with an increase in risk. Low levels of risk pays low potential returns, whereas high levels of risk pay high potential returns. Further, bankers are taught early in their career that they are in the business of taking risk and without taking risk banks | CENTERSTATE CORRESPONDENT BANK Signup today for free to get the latest banking performance strategies, tactics and insight delivered right to your inbox. Find out what thousands of banks, regulators

TAG: NOTE TAKING

“This commentary on this blog reflects the personal opinions, viewpoints, and analysis of the author and not CenterState Bank. This blog is only intended to provide general education about the banking industry, leadership, risk management, and other related topics and is not intended to provide any specific recommendations. TAG: COMMERCIAL ACCOUNTS Banks that are moving away from being transactional have recently been promoting more bundled accounts. For example, banks on their game actively market a high-net-worth elite checking product to the principals of their commercial accounts and commercial account packages to their high net worth business owners. MARKET AWAITS THE FED The FOMC concludes two days of meetings today and that means the market will mark time until 2pm ET. While there’s no chance of a rate hike, the real drama will be in just how dovish the Fed is in its statement, forecasts and press conference. We expect that the balance sheet tapering will be discussed too with the shrinking of the Treasury portfolio possibly completed by year-end.

SEPTEMBER 2014

While it is debatable when the Fed will raise interest rates, we now know we are getting closer. In all likelihood, October marks the end of the Fed’s Quantitative Easing Program and now the question is just how the Fed will reverse a large portion of the $4.4T of investment that sits on our Nation’s balance sheet.

APRIL 13, 2015

Short-term Rates Fed Funds Prime Imo LIBOR 3mo LIBOR 6mo LIBOR LIBOR Forward Rates 10'. 00'. LIBOR Swaps CST Yields 0.91 1.40 1.73 1.95 3mo

LIBOR caps

SEPTEMBER 28, 2015

Short-term Rates Fed Funds Prime Imo LIBOR 3mo LIBOR 6mo LIBOR LIBOR Forward Rates 30'. 10'. 00'. LIBOR Swaps CST Yields 0.99 1.46 2.14 3mo

LIBOR caps

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