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

Jeff For Banks

Finally, resolution of failing financial institutions requires that the deposit insurance fund be strongly capitalized with real reserves, not just federal guarantee.” According to the FDIC, the causes of the 2008-09 financial crisis lay partly in the housing boom and bust of the mid-2000s; partly in the degree to which the U.S.

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More Gain, Less Pain

Independent Banker

These agencies had input: the Federal Reserve, the Office of the Comptroller of the Currency, FDIC and the National Credit Union Administration. That could stifle innovation.”. Ellen Ryan is a freelance writer in Maryland. The FFIEC is reviewing an Excel version created with banker input.

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More Gain, Less Pain

Independent Banker

These agencies had input: the Federal Reserve, the Office of the Comptroller of the Currency, FDIC and the National Credit Union Administration. That could stifle innovation.”. Ellen Ryan is a freelance writer in Maryland. The FFIEC is reviewing an Excel version created with banker input.

Tools 70
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The top-performing community banks of 2021

Independent Banker

In order to compete as a small bank, we have been forced to keep higher-than-peer capital levels, so that our lending limit allows us to service local borrowers’ needs. If we were to have capital levels more in line with peer averages, we would barely be able to originate and keep mortgage loans of any size. . Capital Community Bank.