South State Correspondent

AUGUST 21, 2022

Meet Competitive Pressures: National and larger regional banks are specifically targeting better borrowers for seven, ten, or 20-year fixed-rate loans. Second, community banks should use FDIC-insured institutions as hedge providers, and the hedges must be structured as qualified financial contracts (QFC).

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The Financial Brand

AUGUST 24, 2023

This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand. Regional bank failures and troubles in early 2023 may bear bitter fruit for the institutions in that size class and beyond that survived.

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PYMNTS

JANUARY 9, 2018

In July 2017, the Federal Deposit Insurance Corporation (FDIC) held a meeting with a group of community bankers which told officials about the competitive pressures they’re facing from FinTechs. As the community banking sector explores how to address the FinTech competitive threat, they’re also facing headwinds from regulators.

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Jeff For Banks

FEBRUARY 3, 2018

In 2013, there were 6,812 FDIC-insured financial institutions. That yielded 291 total institutions, broken down by region. And capital ratios have held steady and strong. In fact, if you listen to some institutional investors, the industry is over-capitalized. Where are we and where have we been? Trends are telling.

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Taxes Regional Industry Trends 60

Jeff For Banks

JULY 31, 2017

US Regional Banks' price-earnings multiple was 16.6x Meaning if it's p/e is 16.6x, like the US Regional Banks mentioned above, then the earnings growth rate should be 16.6%. The regional banks' PEG ratio, if I do the reverse math, implies that earnings are growing around 3% for the banks in that index. So are banks over-valued?

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Regional FDIC Industry Risk Management 60

Jeff For Banks

JUNE 24, 2010

As I understand it, government officials (excluding regulators) want banks to lend, banks have the cash to lend, bankers are hesitant to lend, and regulators would just as soon have you hire another compliance officer and purchase a U.S. Regulators are slightly schizophrenic on the subject. Are these more reliable?

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Lending FDIC Regulation Regional 67

American Banker

SEPTEMBER 12, 2016

The Group of Central Bank Governors and Heads of Supervision – the supervising body for the Basel Committee on banking Supervision -- Sunday endorsed the broad direction of final Basel III risk-weighted capital rules, including assurances that the final rules would require significant additional capital.

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South State Correspondent

MARCH 15, 2023

It turns out that confidence is more valuable than capital. Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

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American Banker

MAY 11, 2016

Ideas on the table for ending the too-big-to-fail problem won't work, so the only solution is a "leverage" ratio and continuous exams to ensure big banks never get in trouble in the first place.

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PYMNTS

OCTOBER 1, 2018

The DOJ investigation centered on whether LendingClub had – between January 2009 to September 2010 – misled its FDIC-insured loan originator, WebBank , leading the bank to underwrite over 200 loans that did not conform to the bank’s lending requirements. The DOJ Finding. In 2010, LendingClub added to its war chest with a $24.5

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PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. The bank is one of several newly proposed community banks in the region, with goals of disrupting the financial services landscape, including business and corporate banking.

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CB Insights

DECEMBER 4, 2019

An RBC Capital Markets report put the average annual sales of an Amazon Go location at about $1.5M. The regions involved in the initial pilot included Colombia, Chile, Hong Kong, Kenya, Indonesia, Malaysia, the Philippines, Peru, Taiwan, and Thailand. As many as 3,000 Amazon Go locations could open by 2021, according to Bloomberg.

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Cards Lending Strategy US 101

American Banker

DECEMBER 20, 2016

The banking system ultimately needs a balanced approach to capital, which allows banks to efficiently function while also maintaining financial stability.

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Capital System FDIC Regional 28

American Banker

AUGUST 2, 2016

Tougher capital requirements for energy lenders could be on the horizon. The Federal Deposit Insurance Corp. is raising concerns about potential spillover effects from depressed oil prices even as banks had sounded more optimistic.

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Capital FDIC Community Bank Regional 28

Jeff For Banks

MARCH 29, 2014

The amount of deposits available to us while maintaining full FDIC insurance protection for our trust customers has consistently exceeded $30 million for the last three years. Texas Capital Bancshares, Inc. We are able to utilize relatively low cost deposits provided by our trust activities to fund additional loan growth.

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Strategy Texas San Antonio Fort Worth 102

William Mills

SEPTEMBER 9, 2016

I believe SEC regulations require a company to go public if they have more than 500 shareholders. Demo: Customer Insight Dashboard for Regional Manager who can view their forward looking metrics such as customer attrition and look forward several quarters. Regulated Financial Institution. Average return of 13% per year.

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CFPB Monitor

JUNE 25, 2020

On May 20, 2020, the OCC issued a final rule to “strengthen and modernize” its existing Community Reinvestment Act (“CRA”) regulations. The final rule requires all OCC-regulated banks to collect and maintain data and supporting information throughout the assessment period.

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Gonzobanker

FEBRUARY 7, 2018

After years of pain and heartache around the letters C-F-P-B, bankers were ecstatic at the appointment of “hands off” Mick Mulvaney as interim director of the Consumer Financial Protection Bureau and his decidedly “non-Cordray” approach to financial regulation. Capitalizing on Good Times. 2: The Bulls. Commercial Real Estate.

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Taxes Video Analytics Arkansas 76

FICO

FEBRUARY 23, 2017

In the first two weeks of the new administration, President Trump took several steps aimed at slowing down as well as scaling back current and future regulations. Out of the gate, the Trump administration made good on its promise to curtail the pace of federal regulations. Regulatory Reform through Memorandum and Executive Orders.

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