Jeff For Banks
JULY 14, 2012
'I recently spoke to an old friend that is a bank equity research analyst and asked him how his coverage universe was doing with second quarter earnings. He said his "mortgage banks did great". Meaning that those that specialized in originating and selling or putting residential mortgages on their books had a great quarter due to the strength of originations.
Jeff For Banks
JULY 20, 2012
'The regulatory definition of "well capitalized" has not changed post financial crisis. Tier 1 leverage ratio: 5% Tier 1 risk-based ratio: 6% Total risk-based ratio: 10% So where is all of this belly aching about capital requirements coming from? It has come from three places, in my opinion. 1. IMCRs When the financial crisis struck, and FIs began to falter, regulators were issuing regulatory orders (supervisory agreements, written agreements, cease & desist orders, and memorandum of underst
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