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High-Stakes Policy Decisions Loom in 2013

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Where Banks Were Strong — and Weak — in FDIC's Report Card

There was plenty for banks to be encouraged about in the Federal Deposit Insurance Corp.'s most recent Quarterly Banking Profile, which reported comprehensive industry earnings for the fourth quarter and all of 2014. Community bank lending is showing steady growth, capital levels keep rising and the FDIC's insurance reserves are stabilizing. But the numbers also contained worrisome signs. Here are key takeaways from the report.

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Excellent and insightful review of key challenges facing the banking industry this year. The policymakers who consider and implement these rules and regs would be well advised to give high priority in their policymaking to the question, How will this impact the ability of banks to serve their customers? If they fail to ask that question, or ignore its answers, the result could be, as the former Comptroller cautions, sending more business to the nonbanks. That will do little to encourage resurgence of community banking, and it will reduce the number of financial firms competing to serve financial services customers.
Posted by WayneAbernathy | Friday, February 01 2013 at 10:10AM ET
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