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OCC Bulletin
September 2, 2004 |
Prohibition Against Interstate Deposit Production Recently updated host-state loan-to-deposit ratios that will be use to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994   |
OCC Bulletin
June 28, 2001 |
Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation recently issued updated host state loan-to-deposit ratios that the banking agencies will use to determine compliance... |
OCC Bulletin
May 22, 2003 |
Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the FDIC recently issued updated host-state loan-to-deposit ratios used to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994. |
OCC Bulletin
July 3, 2006 |
Prohibition Against Interstate Deposit Production Description: Annual Loan-to-Deposit Ratios An updated host-state loan-to- deposit ratios that banking agencies will use to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (Interstate Act) is now available. |
OCC Bulletin
June 17, 2002 |
Prohibition Against Use of Interstate Branches Primarily for Deposit Production The attached final rule implements changes to Office of the Comptroller of the Currency (OCC) regulations regarding the prohibition against using interstate branches for purposes of "deposit production" found in section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act. |
OCC Bulletin
August 24, 2005 |
Community Reinvestment Act The revisions to the Community Reinvestment Act regulations, effective September 1, 2005, include a new test -- the community development test -- for intermediate small banks. |
OCC Bulletin
August 12, 2002 |
International Banking Activities Capital Equivalency Deposits A new rule amends the OCC's regulation regarding the capital equivalency deposits (CED) that foreign banks with federal branches or agencies must establish and maintain. |
FDIC FYI
June 12, 2002 |
Better Deposit Data Show BIF Below Target in First Quarter Estimated insured deposits of the Bank Insurance Fund (BIF) increased by $75 billion during the first quarter. The increase is noteworthy because it caused the ratio of the BIF to insured deposits to decline to 1.24 percent, below the 1.25-percent Designated Reserve Ratio target. |
| Knowledge@Wharton |
Have Banks, After 25 Years, Made Peace with the Community Reinvestment Act? History and enforcement of the CRA, and how it can be improved. |
OCC Bulletin
September 28, 1999 |
Risk-Based Capital: Joint Statement As part of their efforts to foster readiness for year 2000, the Federal banking agencies have issued guidance to banking organizations calling for the development of contingency plans to address funding, liquidity, and other issues. |
The Motley Fool
April 11, 2008
Tom Hutchinson |
Capital Ratio Fever Just as blood pressure and heart rate are vital measures of physical health, capital ratios are vital measures of the health and solvency of banks. Right now, those vital signs reflect a sick industry that's getting sicker. |
OCC Bulletin
August 24, 2005 |
Community Reinvestment Act The final rule revising the Community Reinvestment Act will make key changes to the Office of the Comptroller of the Currency regulations. |
Commercial Investment Real Estate
Mar/Apr 2003
Chere LaRose-Senne |
Congress Revisits the Issue of Banks Selling and Managing Real Estate Commercial real estate professionals should stay informed on the progress of the Community Choice in Real Estate Act. |
The Motley Fool
July 17, 2006
Stephen D. Simpson |
Commerce Bancorp: Still Controversial Investors, it's not often that you see this much growth and controversy in a banking name, so it's likely to be a volatile name for some time to come. |
The Motley Fool
August 31, 2005
Stephen D. Simpson |
A Closer Look at Bank Stocks These investors must deal with unusual terms and funny-looking financial statements, but the rewards can be well worth it. |
FDIC FYI
November 26, 2002 |
Quarterly Banking Profile Commercial Banking Performance, Third Quarter 2002 Gains on securities sales keep earnings near record level... Weakness in overseas operations limits industry profits... Margins improve at community banks, decline at larger institutions... Strong mortgage demand fuels growth in loans... Asset-quality problems continue to grow at large banks |
OCC Bulletin
September 14, 2001 |
Consumer Protections for Depository Institution Sales of Insurance These rules implement Section 305 of the Gramm-Leach-Bliley Act and apply to retail sales practices, solicitations, advertising, or offers of any insurance product or annuity by a depository institution... |
The Motley Fool
September 22, 2006
Stephen D. Simpson |
A Closer Look at Bank Stocks Learn the secrets of investing in this often-intimidating sector. |
Bank Technology News
March 2007
Glen Fest |
Business Banking: Small Banks Beefing Up Commercial Capabilities Four in five community institutions say they will increase tech spending on capabilities such as cash management and imaging to attract corporate banking customers. |
FDIC FYI
March 13, 2002 |
Banks and Thrifts Post Record Earnings, Insurance Funds Slide Full-year 2001 financial data for all FDIC-insured institutions, released today in the Quarterly Banking Profile, depict record bank and thrift earnings even as the reserve ratios of the FDIC insurance funds continue to slide... |
The Motley Fool
January 17, 2007
Nathan Parmelee |
Keep an Eye on Commerce Commerce Bank is swirling in uncertainty, but its prospects for continued deposit growth are worth investors' attention. |
The Motley Fool
April 26, 2006
Joseph Khattab |
Hanmi Almost Delivers Korea's Hanmi Financial's first-quarter results were strong enough for a 5% jump in stock price today, but investors may still be hesitant to jump on the bandwagon. |
The Motley Fool
January 12, 2006
Stephen D. Simpson |
M&T Bank: Smart Prevails M&T isn't cheap relative to your average bank, but it is a better-than-average operator trading at a bit of a discount to historical valuations. |
Finance & Development
March 1, 2000
Robert Rennhack |
Banking Supervision Countries in Latin America and the Caribbean, like other emerging markets, have experienced banking system difficulties that have hampered growth and generated fiscal costs as high as 10 to 20 percent of GDP and even more. Many countries have improved their banking systems, but further reform is needed. |
OCC Bulletin
October 1, 2001 |
Uniform Standards for the Electronic Delivery of Disclosures; Regulations M, Z, B, E, and DD The Board has lifted the mandatory compliance date for these rules. National banks may continue to provide electronic disclosures under their existing policies and practices, or may follow the interim rules, until the Board issues permanent rules... |
OCC Bulletin
March 11, 2002 |
Country Risk A recently issued statement describes the elements of an effective country risk management process. These principles will guide examiners when they evaluate the management of country risk in internationally active banks... |
Finance & Development
June 1, 2000
Hans Dieter Seibel |
Agricultural Development Banks Close Them or Reform Them? Agricultural development banks were established to extend credit and other financial services to customers not considered creditworthy by commercial banks. Should these banks be closed or are they worth revamping? |
The Motley Fool
January 11, 2006
Joseph Khattab |
Virginia Is for Bankers With nearly 1,000 publicly traded commercial banks in the United States, finding the best performers can be a real chore. But with the help of a screen, this investor finds a value in Virginia Financial Group. |
The Motley Fool
July 26, 2007
Emil Lee |
6 Keys to Bottom-Fishing for Banks A tip sheet for buying banks on the cheap: 1. Low price-to-book multiple... 2. Small deposit premiums/high deposit quality... etc. |
U.S. Banker
April 2002
Robert A. Bennett |
Unfairly Treated? Is there regulatory discrimination against smaller banks and thrifts? That question is raised by how the OTS treated the $851 million-asset Progress Financial Corp. Badly chastised, management of the Philadelphia-area company is rethinking a number of key issues... |
U.S. Banker
April 2009
Glen Fest |
Small Bank Divide Now a Trap? Community banks have been steadily losing market to larger competitors for two decades now. |
The Motley Fool
April 25, 2007
Mary Dalrymple |
Hey, Give Me My Money! Fewer check processing sites means that, for consumers, more deposit checks get categorized as "local." That means more of your checks must be deposited under the two-day rule instead of the five-day rule. |
AskMen.com
March 4, 2001
Luis Rodrigues |
The Truth About Bank Loans When the time comes to borrow money from the bank to buy a house, a car or start a business, people still get extremely stressed about meeting with the banking loans officer... |
National Real Estate Investor
February 1, 2007
Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns. |
FDIC FYI
October 20, 2004 |
Branching Continues to Thrive as the U.S. Banking System Consolidates Despite consolidation, branches remain a valuable resource in helping banks generate fee income and possibly better manage their overhead expenses. |
CFO
March 1, 2007
Rob Garver |
Nothing to Bank On Bank executives will undoubtedly spend much of the next year assessing the likelihood and impact of new rules, while at the same time trying to keep earnings growth on its upward trend. |
Bank Technology News
February 2006
John Adams |
Small Business: Heritage's Shopping Remote Capture Heritage Bank is allowing small business customers to deposit checks electronically and remotely, allowing the bank to stretch beyond its traditional footprint |
FDIC FYI
July 9, 2004 |
Bank Branching Trends and Prospects of Key Banking Sectors A summary of three reports released today that represent the fourth installment of the Federal Deposit Insurance Corporation's Future of Banking Study. |
The Motley Fool
October 18, 2005
Stephen D. Simpson |
Fifth Third Hopes for Better Days A tough third quarter highlights the challenges in front of this bank chain. Investors who still believe that this bank can recapture some of its faded glory may yet be right. |
U.S. Banker
May 2006
Lee Conrad |
Loans in Hurricane Areas Count as CRA Investments Small banks can lend outside their home markets. |
FDIC FYI
October 18, 2005
Timothy Critchfield |
FYI: An Update on Emerging Issues in Banking Highlights from the 2005 Summary of Deposits Data, which details total deposits at the individual office level for every FDIC-insured institution. |
OCC Bulletin
January 4, 2002 |
Bank Secrecy Act/Anti-Money Laundering Interim Guidance on Compliance with the USA PATRIOT Act... |
CFO
October 1, 2007
Rob Garver |
One Nation, Left Behind The race to cut compliance-based capital has begun, and U.S. banks are trailing the pack -- badly. |
FDIC FYI
October 26, 2006 |
Highlights from the 2006 Summary of Deposits Data This issue of FYI graphically highlights preliminary conclusions from the 2006 Summary of Deposits data regarding information on deposits and offices in operation. |
The Motley Fool
August 25, 2011
Zeeshan Siddique |
Does Bank of Ireland's Narrowed Loss Put It Back on Track? High funding costs remain a concern for Bank of Ireland. |
Finance & Development
June 1, 2000
Tomas J.T. Balino & Angel Ubide |
The New World of Banking Four trends are fundamentally altering the financial world: consolidation of institutions, globalization of operations, development of new technologies, and universalization of banking. Each of these poses challenges for the effective supervision and regulation of the financial sector.... |
U.S. Banker
December 2001 |
Deposit-Equity Balance Earlier this year, banks were pleased to see a healthy inflow of deposits, those low-cost funds that help keep interest-rate margins strong. Many banks have been reporting increases of more than 10% over the previous year... |
OCC Bulletin
December 12, 2001 |
Privacy of Consumer Financial Information The OCC has prepared a "Small Bank Compliance Guide" to help community banks comply with the rule implementing the privacy provisions of the Gramm-Leach-Bliley Act... |
U.S. Banker
December 2001
John Hackett |
Branches -- Hot New Delivery Channel With banks in a struggle for customers, branches have become in-the-field artillery. After years of fiddling with newfangled delivery channels, bankers across the nation are rediscovering that branches can be their most powerful weapons... |
The Motley Fool
August 15, 2006 |
Banking Alternatives Investors, don't think you're stuck with Federated First Financial. You might do better elsewhere. |
