Jeff For Banks

MAY 20, 2017

and New York Community Bancorp called off their planned merger. 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.

Lending 60

Lending Regulation Community Community Bank 60

Independent Banker

FEBRUARY 25, 2015

Coping just fine, community banks in energy-producing regions manage the oil-price plunge. Crude oil prices have dropped more than 50 percent from last July to this January, and they haven’t hovered this low since 2009. billion-asset community bank based in Happy, Texas. By Howard Schneider. Pat Hickman, Happy State Bank.

North Dakota 70

North Dakota Texas Louisiana Community Bank 70

Jeff For Banks

FEBRUARY 3, 2017

Since the recovery began in June, 2009, real GDP growth has averaged 2.3%. Bank lending has not been the catalyst it used to be for improved growth in this recovery compared to prior ones; maybe we can point at regulation after regulation being forced onto banks and higher, more restrictive capital requirements.

Marketing 60

Marketing Taxes Regulation US 60

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.

FDIC 78

FDIC Community Bank Regulation Lending 78

Jeff For Banks

SEPTEMBER 13, 2015

He joined COB's board in 2009 after its $310 million recapitalization which was needed from a disastrous slew of losses incurred starting in 2008 as a result of awful credit decisions, leading to a 21% NPA/Asset ratio peak in 2010. Selection: Mitch Englert, EVP of Community Banking, Capital City Bank Group, Inc.

Community Bank 60

Community Bank Lending Community Security 60

Jeff For Banks

FEBRUARY 17, 2010

My company does line of business and product profitability reporting for community banks. Of the nine product groups, banks only had one that delivered a greater than 1% pre-tax return on product portfolio, and thrifts had two (the snapshot was for 3rd quarter, 2009). Since writing that missive, I realized I left one out.

NJ 60

NJ Taxes Lending Groups 60

Independent Banker

MARCH 15, 2015

Thoughtful lending and an open mind keep profits strong for incoming ICBA chairman Jack Hartings. in Coldwater, Ohio, and ICBA’s incoming chairman, held fast to his community bank’s conservative lending practices. When the economy came crashing down in 2009, The Peoples Bank was able to work with customers facing hard times.

Ohio 70

Ohio Community Bank Community Lending 70