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More than 70 banks are set to hit their seventh anniversary this year, crossing a threshold where they will have reduced regulatory scrutiny and relaxed capital ratios. While many are excited about the potential to growth, they are aiming to do so carefully.

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The California company is dealing with a pool of stressed energy loans it inherited from last year's purchase of CapitalSource. The pain shouldn't make the deal less appealing, but it is likely taking up more time than management may have expected.

Bank of the Ozarks could raise more capital, especially if a rising number of unfunded loans convert to funded credits. Management is also keeping an eye on credit quality, raising certain standards and selling some syndicated loans.

Local governments have historically relied on selling bonds to finance operations. But low interest rates and the rising costs of taking bond issues public are making traditional loans a more tempting option.

Bankers who hold political offices can become advocates for their communities while boosting the profile of their banks. Still, they must be mindful of the time constraints and potential conflicts of interest that come with having dual jobs.

Mounting yet another defense of JPMorgan Chase’s size and scope, Chairman and CEO Jamie Dimon pointed out the fallibility of smaller banks in his annual letter to shareholders.
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Pinnacle Financial Partners has struck its first deal in nearly eight years, and it has the capacity to do more as it seeks to double its assets in Tennessee. But CEO Terry Turner says it is more likely to grow organically because there aren't many banks left in the state that he would want to buy.

The state's banking lobby is opposing a bill that would make it easier for thrifts to hold municipal deposits because the proposal would also let credit unions go after the same business.
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A key deadline for anti-fraud card technology is prompting more retailers and banks to take a hard look at mobile payments platforms.

M&T Bank still can't get the Fed's blessing to buy Hudson City. The latest delay raises questions about Hudson City's fate and what could be going on internally at the Fed to keep the acquisition in limbo.

The bill would require written contract amendments, signed by the lender, for most loans. Legislators took up the issue after a judge in the state sided with a borrower's claim of having an oral agreement from Bank of America to modify a mortgage.

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