Abrigo

JULY 25, 2017

He starts by reviewing some of the data over the last decade, specifically the role that Acquisition, Development and Construction (ADC) loans played leading up to the 2007 recession. These caps were 100% of capital for construction loans, and 300% for all investor CRE. That 13% represented 80% of the losses to the FDIC insurance fund.

Risk Management 150

Risk Management Management Capital Lending 150

PYMNTS

OCTOBER 17, 2017

An industrial bank is an FDIC-insured depository institution that is generally subject to the same banking laws and regulations as any other bank charter type, with the important exception of the Bank Holding Act of 1956. Square already has an SMB lending arm – Square Capital – which it operates through a deal with Utah-based Celtic Bank.

Industry 108

Industry Fintech FDIC Community Bank 108

Jeff For Banks

JUNE 2, 2023

More recently and by comparison, the mortgage meltdown and subsequent global financial crisis took down more than 500 banks between 2007 and 2014, with total assets of nearly $959 billion. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate? trillion failed. What caused it?

FDIC 78

FDIC Community Bank Regulation Lending 78

Jeff For Banks

JUNE 4, 2018

"The FDIC recently has observed instances of liquidity stress at a small number of insured banks." So opened the Summer 2017 FDIC Supervisory Insights issue. So, according to the FDIC rate cap "guidance", you could not exceed 84 basis points on your money market accounts at December 31, 2017 if you were under regulatory scrutiny.

FDIC 60

FDIC System Regulation Conference 60

Jeff For Banks

OCTOBER 4, 2014

Now the amount of money in US registered investment companies exceeds that in FDIC insured banks. But wait, ING Direct grew to $92 billion in assets until ING Group divested it to Capital One. Lending Club funded $5 billion in loans since its founding in 2007. Was Vanguard a disruptor? Was ING Direct a disruptor?

Technology 105

Technology Cyber Security FDIC Strategy 105

Jeff For Banks

MAY 20, 2017

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. We perform this service for dozens of community banks. Ample time to look down the road towards our next recession.

Lending 60

Lending Regulation Community Community Bank 60

Jeff For Banks

DECEMBER 26, 2012

capital appreciation and dividends. This has led to $863 million of covered loans (loss share arrangements with FDIC), and a yield on such loans of 8.69%, according to its latest investor presentation. Hingham''s ROA from 2007-2011 was 0.63%, 0.81%, 0.93%, 1.05%, and 1.14% respectively. Texas Capital Bancshares, Inc.

Texas 79

Texas National FDIC Capital 79