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Commercial Real Estate or Business Lending: Which Is Better?

Jeff For Banks

Me: Commercial Real Estate loans are the most profitable product in a community bank's arsenal and have been through various interest rate environments. 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. But what of the relationship?

Lending 78
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Cash Flow A Tough Lesson To Learn For SMBs

PYMNTS

Intuit found 42 percent of SMBs have experienced cash flow issues in the last year alone, despite tax cuts and other regulatory policies designed to support the small business community. Fifty-two percent of U.S.

Survey 158
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Rebounding from the Downturn

Independent Banker

Community First Bank & Trust. Community First Bank & Trust had an extraordinary 2015. It was the culmination of efforts over the past four years to recover from the impacts of the downturn in the economy that began in 2008. The largest component of Community First Bank’s earnings in 2015 was a reversal of a $10.6

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Collections Predictions 2021: After the Debt Tsunami, the Flood

FICO

Increased provisions, reduced capital, less ability to lend. All this will raise the question: Whatever capital I have got, how much can I lend to borrowers who have a low confidence on their own financial prospects, and are unsure if they should borrow or not? They can optimize the use of their capital and who they lend to.

Taxes 76
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Cash Flow A Tough Lesson To Learn For SMBs

PYMNTS

Intuit found 42 percent of SMBs say they have experienced cash flow issues in the last year alone despite tax cuts and other regulatory policies designed to support the small business community. .” PYMNTS breaks down the key findings of these reports for a deeper look into businesses cash flow challenges, lessons and outlook.

Survey 123
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Community banks are thriving in Texas

Independent Banker

Here’s how four community banks are thriving in this environment. Corporate relocations and expansions—influenced by factors like affordability, low corporate tax rates, no personal income tax and a rich talent pool—have contributed to a momentum that isn’t likely to subside soon. Photo by Dennis Burnett. By Mindy Charski.

Texas 182
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How to Get Small Business Capital in a Tight Market

NCR

The big shock was really the meltdown in 2008. I’ve got to capitalize 100 percent of it in terms of reserves for potential losses that I have no probability of materializing because the full line hasn’t even been utilized yet. The environment is very, very tough today compared to pre-2008. Q: What about your product?

Capital 40