Jeff For Banks

AUGUST 12, 2018

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. He also ended that expansion by tightening and then keeping interest rates too high for too long. The economy has grown 2.2%

Marketing 60

Marketing Philadelphia Omaha US 60

Jeff For Banks

MAY 20, 2017

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. But isn't fast growth by itself an indicator of increased risk of failure, regardless of the loans that fueled the growth?

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Lending Regulation Community Community Bank 60

Jeff For Banks

JANUARY 19, 2013

more “promises,” and a constant flow of new money into the markets. The biggest beneficiary of all this Fed activity has been the stock market—which ended the year at some pretty good “handles,” with the Dow above 13,000, S&P 500 above 1,400, and the Nasdaq above 3,000. Oh, wait, our Congress!

Taxes 71

Taxes Philadelphia DC New Jersey 71

Jeff For Banks

JUNE 2, 2023

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. We knew there was tremendous hubris in the subprime market. banks failed a year.

FDIC 78

FDIC Community Bank Regulation Lending 78

Jeff For Banks

APRIL 10, 2015

A New Year of Volatility 2015 ushered in a whole new season of volatility in the bond and stock markets. It has been nine years since the Fed last tightened policy in June, 2006; maybe they are getting anxious. Stock market volatility began after the plunge in oil prices, as fear of the effects on energy companies emerged.

Philadelphia 60

Philadelphia US Study Boston 60

Jeff For Banks

APRIL 5, 2012

Last Fall, they embarked on “Operation Twist,” to sell shorter dated securities and buy longer dated ones in an effort to push long term rates down, especially to get mortgage rates lower to help the still struggling housing market. But we know that only three things in life are certain—death, taxes, and a Fed that goes too far.

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Security Taxes Marketing Policies 75