Capital

EverBank Financial in Jacksonville, Fla., plans to raise $90 million through a public offering of subordinated debt.

That is the message from North Carolina's banking commissioner and others who think the odds of preventing the rule are so low, and the amount of preparation needed to comply so great, that bankers should get real.

Not only are widening credit spreads for both banks and the companies they lend to a red flag, but the financial sector is also feeling a hit from lower energy prices.

Peoples Bancorp in Marietta, Ohio, has obtained a $15 million credit line and has paid off an earlier loan.

Add BB&T to the list of banks bolstering reserves because of growing concerns about energy exposure.

Alamogordo Financial in Alamogordo, N.M., plans to convert from a mutual to a fully stock-owned bank holding company.

HarborOne Bank, a mutually owned co-operative bank in Brockton, Mass., plans to sell shares to the public.

The $8.2 billion-asset company will issue about 4.9 million shares at $14.50 apiece, according to a news release Thursday.

Citizens Financial Group in Providence, R.I., plans to repurchase $125 million in subordinated notes to improve its efficiency and capital structure.

Preparing for the inevitable future credit crisis by setting aside more loss reserves is a step toward avoiding government bailouts.

Carolina Alliance Bank in Spartanburg, S.C., has exited the Small Business Lending Fund program.

Well, something has to. For proponents of modernization and greater efficiency in the syndicated loan, bond, swaps, and private placement markets, it's well past time to put investors, banks, brokers and borrowers on the same technological page.

Yes, all the big banks are paring their balance sheets to comply with new rules and axing expenses to please shareholders, but JPMorgan is simultaneously targeting affluent cities for branch and deposit growth.

It is time for institutions to act independently of the Federal Reserve and raise their loan interest rates to improve returns.

CCB Bankshares in South Hill, Va., has raised $3.5 million in a private placement of debt and will use some of the money to exit the Small Business Lending Fund.

Centrue Financial in Ottawa, Ill., has been released from an enforcement action that had prohibited the company from paying dividends without regulatory approval.

The Federal Housing Administration will continue to charge borrowers an annual premium over the entire life of the loan, rejecting calls from some housing advocates to change how it’s calculated.

Should companies that manage collateralized loan obligations but don't originate the loans be subject to Dodd-Frank's risk-retention rules for securitizations?

First Resource Bank in Exton, Pa., has received federal regulatory approval to exit the Small Business Lending Fund program.

Horizon Bancorp in Michigan City, Ind., has exited the Small Business Lending Fund program.