2007 Capital Lending Taxes 
Jeff For Banks
APRIL 30, 2022
The charts below show the pre-tax profits as a percent of the total product portfolio during different rate scenarios compared to the Fed Funds Rate. So the answer, from a straight pre-tax profit perspective, is commercial real estate in more recent times and a rising rate environment. The pre-tax ROA might not look great.
South State Correspondent
JUNE 13, 2022
Banks that take too much risk fail, and banks that take too little risk produce returns below their cost of capital and either get acquired or driven out of business. One morning, President Trump tweeted his desire for an additional tax on all foreign-owned companies operating in the US. Consider the risk above.
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Jeff For Banks
MAY 20, 2017
Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. 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.
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. The old borrow short, lend long strategy. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate?
TrustBank
DECEMBER 8, 2022
The BEA calculates the personal saving rate by subtracting taxes from personal income to arrive at “disposable personal income” and then subtracts personal outlays. From Q2 of 1993 through the end of 2007, household debt as a percentage of disposable personal income climbed by 26% to13.1%. and averaged 66% over that 14-year period.
Jeff For Banks
SEPTEMBER 13, 2015
Since his joining the Board, the bank has stabilized, returned to profitability, recaptured it's deferred tax asset, and NPAs/Assets have declined to less than 3%. Selection: Greg Garrabrants, BofI Holding, Inc, (NASDAQ: BOFI) Greg has been in charge of the Bank since 2007. Security Bank in Midland, Texas lends to business, period.
CB Insights
FEBRUARY 13, 2020
This growth has created major opportunities in the payments space, and companies like Stripe — the payments unicorn valued at a masive $35B — are hungry to capitalize on them. Business lending and corporate cards. Most recently, Stripe has launched a Corporate Card and a Lending product geared towards small businesses.
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