BankThink

Redundancy in SBA Programs Stalls the Recovery

08/05/11

Changing the 7(a) rules to move commercial real estate loans exclusively to the 504 program would immediately free up millions of dollars in working capital and start-up loans for small businesses.

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Want to Make Sales? Try Hiring a Sales Force

08/05/11

We're doing almost nothing to deliver a branch experience that resembles any kind of profitable "store" experience.

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Friday, August 5

08/05/11

Breaking News This Morning ... Fannie Mae Loses $2.9B in 2Q: The government-sponsored enterprise has asked the Treasury for another $5 billion of aid. Receiving Wide Coverage ... Cash Is Really King Now: As the markets tanked again amid mounting global economic fears, Bank of New York Mellon told large institutional customers it would charge them a 13 basis point fee simply for holding deposits of more than $50 million. According to the Journal, a letter to these...

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Don't Let the Rating Agencies Regain Their Old Powers

08/04/11

Banks must be encouraged to develop standardized methods of calculating risk and capital as a substitute for external credit ratings.

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Here's One Way to Get a Quick Handle on Loan-Loss Coverage

08/04/11

There are no accounting, regulatory or industry guidelines for what constitutes an adequate allowance for credit losses. But there is a simple and common-sense ratio that's easy to calculate and explain.

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Thursday, August 4

08/04/11

Receiving Wide Coverage ... European Contagion: The papers report today that the continent's debt crisis is spreading from peripheral countries (Greece, Ireland and Portugal) to Italy and Spain. (Though we'd thought that the investment community had lumped all five together a while ago, given traders' use of the unflattering acronym PIIGS). According to a story in the Times, big banks in those two larger economies -- namely Italy's UniCredit and Intesa, and the Spanish banks Santander...

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Healthy Banks Set Up for Paralysis from Analysis

08/03/11

Banks should be subject to reasonable rules and oversight, but universal application of reviews are for the most part overkill threatening the ongoing viability of many small banks.

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Wednesday, August 3

08/03/11

Receiving Wide Coverage ... So, What Now? President Obama signed into law the compromise deal allowing the government to raise the federal debt ceiling, but economic fears persist. The U.S. stock market tanked for an eighth consecutive day, the longest down stretch since that scary period in '08. "Foreign investors and economic analysts see further action as crucial to restoring the United States' financial reputation," the Washington Post reports. "Critics in China and elsewhere warned that...

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G20's Stability Board Needs Firmer Footing

08/02/11

A change in leadership for the Financial Stability Board is a pointed opportunity for the G20 to better focus on the FSB's role in coordinating global regulatory efforts.

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Bring the Brick and Mortar to Life

08/02/11

Old-school "open houses" and "meet-and-greet" events help us leverage our physical locations and our most valuable assets, our bankers.

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