2008 Community Lending Taxes 
Jeff For Banks
APRIL 30, 2022
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?
Independent Banker
JANUARY 31, 2022
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.
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FICO
DECEMBER 1, 2020
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.
Jeff For Banks
JUNE 2, 2023
The old borrow short, lend long strategy. 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. Most of the more than 500 financial institutions that failed were community banks.
Jeff For Banks
SEPTEMBER 13, 2015
He retired in 2008 from BofA, but they thought so much of him they brought him back to assist with the Merrill Lynch integration. 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%. Yeah, Chan can own my team.
Independent Banker
FEBRUARY 24, 2016
Community bank institutional investment portfolio managers have been put through their paces the past several years. Yet that is exactly what many community banks have accomplished. All investment environments have their challenges,” Plunkett says, “but this one [since 2008], especially so.”. “All By Karen Epper Hoffman.
PYMNTS
DECEMBER 28, 2018
The rising rates have not only made debt more expensive, but they have been a weight on loan growth across both bank and FinTech lending platforms in the back half of the year. We are trying to build around our borrowers a virtual community of people who are digitally enabled, so that we can get the buyer into their home,” said Watteeuw.
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