Remove 2007 Remove Capital Remove Marketing Remove Taxes
article thumbnail

A Decline in Personal Savings

TrustBank

The BEA calculates the personal saving rate by subtracting taxes from personal income to arrive at “disposable personal income” and then subtracts personal outlays. By the 1990’s, improvements in technology and further changes to securities regulations made it easier for corporate customers to access financial markets directly.

US 52
article thumbnail

Guest Post: 2012 Economic Year in Review by Dorothy Jaworski

Jeff For Banks

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
Insiders

Sign Up for our Newsletter

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

article thumbnail

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

Jeff For Banks

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. We knew there was tremendous hubris in the subprime market. trillion failed. My lesson learned to the regulators, read your past lessons learned.

FDIC 78
article thumbnail

Stripe Teardown: How The $35B Payments Company Plans To Supercharge Online Retail

CB Insights

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. Market opportunity. Stripe is ramping up its private market investments. Expansion into emerging markets. TABLE OF CONTENTS. Focus on developers.

Online 98
article thumbnail

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

Jeff For Banks

They need a marketing person to title their reports. Construction concentration criteria : Loans for construction, land, and land development (CLD) represent 100% or more of a banking institution's total risk-based capital. It shows the pre-tax profit as a percent of the loan portfolios measured. What do your customers demand?

Lending 60
article thumbnail

Guest Post: 2013 Economic Year in Review and Outlook by Banker Dorothy Jaworski

Jeff For Banks

She will continue your zero rate policy and will “taper” your QE 3 program, because the markets have already dismissed its impact and tightened long term rates despite your wishes. Mortgage rates rose just as much and they may potentially damage the housing market recovery. and Janney Capital Markets at 2.1% once again.

article thumbnail

2021 GonzoBanker Awards

Gonzobanker

For the past four-plus years, Chesler has guided Glacier through continued growth and successful acquisitions across the West, all while staying true to Glacier’s local market culture. Goes to the growing cacophony of low-code and no-code software promises in the bank tech market. Congrats to Randy and a great management team.

Fintech 147