Remove 2006 Remove Community Remove Marketing Remove Taxes
article thumbnail

Guest Post: FInancial Markets and Economic Update by Dorothy Jaworski

Jeff For Banks

After easing and keeping rates low for three years, the Fed began tightening from June, 2004 to June, 2006. This is because the economy has been gaining momentum, however modest, from the tax cuts and deregulation. Dorothy has been with Penn Community Bank and its predecessor since November, 2004. The economy has grown 2.2%

article thumbnail

Addressing The Symptoms Of Pharmacies’ Cash Flow Ailments

PYMNTS

Taxes, minimum wage, global trade tariffs — there are a lot of regulatory changes weighing heavily on the minds of U.S. More so than the average SMB, independent pharmacies are particularly affected by the state of the healthcare market and its regulatory shifts. small business owners.

Capital 130
Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

What's With Regulator Agita Over Bank Commercial Real Estate Lending?

Jeff For Banks

and New York Community Bancorp called off their planned merger. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. They need a marketing person to title their reports. We perform this service for dozens of community banks.

Lending 60
article thumbnail

How About Profits in the Branch of the Future?

Jeff For Banks

In the chart below, derived from The Kafafian Group’s (TKG) peer database of hundreds of community bank branches, we see that the revenue generated from deposit spreads, asset spreads (typically consumer loans), and fees (typically deposit fees) as a percent of branch deposits averaged 2.08% for commercial banks and 1.88% for thrifts during 2014.

article thumbnail

Predicting the Next Banking Crisis Is a Fool’s Game. Not Learning From the Last One: Equally Foolish

Jeff For Banks

bank failures per year between 1996 and 2006, and 3.6 When the Taxpayer Relief Act of 1997 passed, the top capital gains tax rate was lowered, providing yet another incentive for equity speculators to pour money into the fledgling internet industry. Most of the more than 500 financial institutions that failed were community banks.

FDIC 78
article thumbnail

PR Insight: Time To Get Your Social On

William Mills

The social media space is very real and takes its marketing very seriously. This rotation will show ongoing activity without taxing one person or group. This is a great medium to show a brief view of someone talking about a new product or a picture of marketing material about a new service.

article thumbnail

Can FinTech Walk The FinTalk?

PYMNTS

In this world, the only things certain are death and taxes. Investors have remained skeptical that the marketplace business model touted in 2006 is sustainable. Many of Franklin’s published aphorisms have survived the test of time and remain quite familiar. A penny saved is a penny earned. Honesty is the best policy. Benjamin Franklin.

Fintech 183