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Showing results 61 - 80 for "Terris"
Bank Distress Eases in West, Persists in Southeast
As with housing, different bank markets across the country have crashed and recovered at different speeds. Measured by institutions with high Texas ratios, stress has tapered quickly in states like Washington and California, but remains elevated in Georgia, Illinois and Florida.
Regulators Fret as Banks Pile into Commercial Lending
Dozens of small banks have substantially increased commercial and industrial lending over the past few years. Supervisors are worried that some may be chasing unfamiliar business down a blind alley.
Cracks in Credit Quality Appear in 2Q Reports
Across the industry, the formation of new credit problems has fallen to pre-recession levels. Assets have continued to sour at a troubling pace at some banks, however.
Private Equity Deals Pile Up in Quiet Revolution
Stories about buyout groups dissolving and heavy-handed regulation make private equity sound like the dog that never barked in banking. But such firms have notched hundreds of deals since the crisis, and the rollup machines they've created are poised to keep going.
Banks Wrestle With Growth/Margin Tradeoff: Interactive Graphic
Loan demand is soft and competition for borrowers is intense, creating tension between building portfolios and sustaining yields. Some banks have posted leaps in volume just to tread water in profitability.
Credit Card Yields Waver, But Hold: Interactive Graphic
Revenue margins have dipped at some major issuers in recent months, but, by and large, they have emerged intact from a bruising economic downturn and a sea change in regulation.
The Prognosis for Deferred Tax Assets
Some banks are recovering deferred tax assets. Will others ever get the chance?
Citigroup, JPM on TBTF List; FERC Gets Tough
Receiving Wide Coverage ... Intergalactically Systemic: The list of really, really, waywayway too-big-to-fail banks is out, and Citigroup and JPMorgan Chase are on it. The Financial Stability Board, which is coordinating the international regulatory reform effort for the G20 economies, said Thursday that it had put the two New York banks in an echelon that would subject them to a 2.5% capital surcharge. That means that they would have to maintain common equity equal to 9.5%...
Credit Card Performance Calm Before Storm: Interactive Graphic
Sandy is likely to roil delinquencies in the next month or so, but issuers posted another round of strong reports for October.
Banks Count on Lasting Mortgage Boom: Interactive Graphic
Mortgage earnings climbed to 14% of total revenues at Wells Fargo in the fourth quarter. Banks say they can scale down operations quickly when volume fizzles.
Net Interest Income Defies Margin Squeeze: Interactive Graphic
Net interest margins continued to come under pressure in the fourth quarter. Net interest income, aided by loan growth, held up better.
Credit Card Lenders Keep Getting Pickier: Interactive Graphic
Growth is hard to come by in the credit card business, but major lenders are sticking with a smaller pool of customers with higher credit scores.
Home Equity Loans Rise Above Water: Interactive Graphic
Recovering home prices have helped shrink underwater home equity loans, but such uncollateralized assets are still large when measured against Tier 1 common equity at the Big Four.
Banks Ease Up on Bond Binge: Interactive Graphic
Big banks reversed a buildup in long-dated bonds over the last two quarters, a reassuring development amid worries that they might “reach for yield.”
Good Euros and Bad Euros, Johnson Calling It a Day
Receiving Wide Coverage ... Good Euros and Bad Euros: The accomplished fact of losses for large depositors to resolve Cyprus' insolvent banks rippled through markets, newspapers and the commentariat. German Chancellor Angela Merkel's hard line against the offshore banking haven prevailed, but fresh worries that depositors in other countries with weak banks might flee reinvigorated doubts about the viability of the euro. An interview in the FT with Eurogroup President Jeroen Dijsselbloem was a focal point....
Midwest Was Heart of '12 Bank M&A
There were more deals announced in the Midwest than in any other U.S. region last year.
Lending Boomed in 4Q, Early Data Says: Interactive Graphic
Business borrowing from commercial banks appears to have jumped at an annual rate of 11% in the fourth quarter, reversing two quarters of fading momentum.
Federal Home Finance Revamp to Hit Bank Bond Portfolios
Lower borrowing costs under the government’s refinancing program for underwater homeowners mean lower interest payments for investors, and banks are the biggest holders of agency mortgage bonds.
Business Loans Surged in 4Q, Total Loan Growth Eased
Growth in commercial and industrial loans accelerated to a torrid 18% annual rate in the fourth quarter, Fed estimates indicate. Total loan growth fell to a 3.5% rate, however, as a slowdown at big banks was only partially offset by a pickup at small banks.
Recovering Bad Card Debts Feeds Issuers' Profits — For Now
New defaults have tailed off and the pool of bad accounts against which to collect is aging. Yet recoveries have held steady or climbed at large issuers – even in the face of stiffening resistance over documentation problems.
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