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Pinion Insights

Employer Leave Donation

Giving Back: IRS Eases Ability to Set Up Employer Leave Donation Programs for COVID-19 Victims

By K·Coe Editorial | June 25, 2020
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Reading Time: < 1 minute
In response to the need to provide relief to victims of the COVID-19 pandemic, many employers are considering Employer Leave Donation programs. Under these programs, employees may elect to forgo vacation, sick, or personal leave in exchange for employer contributions to charitable organizations. The icing on the cake?  The IRS …

Read moreGiving Back: IRS Eases Ability to Set Up Employer Leave Donation Programs for COVID-19 Victims

Paycheck Protection Program

What You Need to Know Now and Later: Paycheck Protection Program Flexibility Act

By K·Coe Editorial | June 17, 2020
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Reading Time: 3 minutes
For many businesses, it seems as though every time they blink there’s another Paycheck Protection Program (PPP) update to digest.  It’s a reality that accompanies the quick development and release of the Small Business Administration’s (SBA) program for economic relief due to COVID-19.  The need for updates soon becomes apparent …

Read moreWhat You Need to Know Now and Later: Paycheck Protection Program Flexibility Act

Missouri Bankers Association

Missouri Bankers Association Annual Convention Key Takeaways

By K·Coe Editorial | June 17, 2020
Reading Time: 3 minutes
The Missouri Bankers Association (MBA) held their 130th Annual Convention virtually this year; it was done well. We’ve attended this conference a number of times in the past to meet current and prospective clients, and to hear good speakers/industry experts talk about what’s going on in the industry. As the …

Read moreMissouri Bankers Association Annual Convention Key Takeaways

Loan Origination Fees

Guide to Community Bank Leverage Ratio: Should I or Shouldn’t I?

By K·Coe Editorial | June 12, 2020
Reading Time: 2 minutes
Starting January 1, 2020, banks could elect to begin using the Community Bank Leverage Ratio (CBLR) or framework. Designed to simplify calculations for capital ratios on quarterly call reports, the CBLR ratio essentially uses total average assets, rather than the complicated calculation of risk-based total assets. A bank may opt-in …

Read moreGuide to Community Bank Leverage Ratio: Should I or Shouldn’t I?

Food, Beverage and Manufacturing Companies Face New Risks Due to COVID-19 Contagion

Food, Beverage and Manufacturing Companies Face New Risks Due to COVID-19 Contagion

By K·Coe Editorial | June 9, 2020
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Reading Time: 2 minutes
The effects of the Coronavirus pandemic are far from over.  Though most Manufacturing Companies are in the midst of a gradual return to the workplace, they continue to face risks from further outbreaks. Supply chain partners, investors, and other stakeholders are watching carefully to ensure that when businesses do reopen, …

Read moreFood, Beverage and Manufacturing Companies Face New Risks Due to COVID-19 Contagion

Paycheck Protection Program

More PPP Forgiveness and Loan Review Procedures Released: Top Takeaways

By K·Coe Editorial | May 26, 2020
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Reading Time: 3 minutes
The latest Interim Final Rule (IFR) on Paycheck Protection Program (PPP) Loan Forgiveness issued by the Small Business Administration (SBA) was released just before the holiday weekend.  Here, K·Coe advisors break down the high-level takeaways from the PPP forgiveness that offer some important clarifications for borrowers and lenders. Clarifications and …

Read moreMore PPP Forgiveness and Loan Review Procedures Released: Top Takeaways

Highlights of CFAP Relief for Farmers and Ranchers

Highlights of CFAP Relief for Farmers and Ranchers

By K·Coe Editorial | May 20, 2020
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Reading Time: 5 minutes
Update 5/21: CFAP Relief Update & Good News for Exporters: The Form CCC-942 that was released this week to certify 75% of Adjusted Gross Income (AGI) is from farming, indicates an IC-DISC dividend derived from farming or ranching activities is considered farm income. This is a change K·Coe has been …

Read moreHighlights of CFAP Relief for Farmers and Ranchers

PPP Certification Criteria: 3 Questions for Every Business

SBA Issues First Guidance for PPP Loan Forgiveness Application

By K·Coe Editorial | May 19, 2020
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Reading Time: 5 minutes
On May 15, the Small Business Administration (SBA) released the long-awaited Paycheck Protection Program (PPP) Loan Forgiveness application and instructions. While there is not yet clear guidance on the details of loan forgiveness (the SBA plans to release regulations and guidance soon to assist borrowers as they complete their loan …

Read moreSBA Issues First Guidance for PPP Loan Forgiveness Application

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