Harry Terris | Oct 25
About $1.4 trillion of deposits are covered by federal insurance due to lapse in two months. How corporations have handled their cash over the last few years provides a guide to what might happen to the money.
Harry Terris | Oct 18
A rapid improvement this year in Citi’s credit performance has put the company firmly in the middle of the pack among the Big Six issuers, as the interactive graphic in this article shows.
Harry Terris | Oct 15
The gap between consumer and secondary market mortgage rates has blown out to a 12-year high, as this interactive graphic shows. Lenders have trouble explaining what will replace mortgage earnings once production fizzles, however.
Harry Terris | Oct 11
Growth in business lending by commercial banks remained brisk in the third quarter according to preliminary data, but continued to slide from a recent peak.
Harry Terris | Oct 10
Banks have recovered maybe $1 billion in tax assets written down because of doubts about future profitability. That leaves more than $5 billion to go.
Harry Terris | Oct 09
Swipe fees jumped at an annual rate of 40% in the second quarter among a group of institutions subject to the new debit card price caps. Interactive data on interchange revenue at 900 companies.
Harry Terris | Sep 26
Interchange has become an ever-more important foundation for credit card lenders as loan portfolios tread water. This interactive graphic shows revenue yields and transaction volume data for large issuers.
Harry Terris | Sep 25
Credit card collection efforts appear to be more successful than before the recession, controversial practices notwithstanding. This interactive graphic shows recovery and chargeoff data for large lenders.
Harry Terris | Sep 18
The portion of balances that credit cardholders paid off climbed again in August in a good sign for defaults but a bad one for portfolio growth. This interactive graphic shows key performance measures at the Big Six.
Harry Terris | Sep 12
Banks as a whole continue to invest heavily in bonds issued by Fannie and Freddie, but allocations vary widely across individual companies. Use this interactive graphic to see portfolio composition for big holding companies.
Harry Terris | Sep 05
Lenders have been giving slack on credit lines, but it hasn't been coming from the Big Three. Use this interactive graphic to see line and utilization trends at TD Bank on up.
Harry Terris | Aug 29
Few banks with trust-preferred debt would fall below the Basel III capital minimum without the securities. Many are using the phase-out as an opportunity to retire the high-cost funding.
Harry Terris | Aug 24
The selloff in Treasuries that extended through much of this month underscores the dangers of adding exposure to long-dated bonds, but both large and small banks have been doing just that in recent quarters. Use this interactive graphic to examine the maturity profiles holding companies with at least $1 billion in assets.
Harry Terris | Aug 16
Chargeoff rates ticked up at four of the six largest issuers in July from the previous month. Delinquencies held steady, however, bucking the typical seasonal increase, and writeoffs appear set to subside in the coming months.
Harry Terris | Aug 15
Low interest rates have allowed banks of all sizes to rotate out of time deposits and build up transaction accounts, but key differences in funding profiles persist across asset classes.
