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U.S. Banker May 2010 Michael Sisk	An Uneasy Relationship Thanks to some high-profile community bank failures, small banks can t get loans from correspondent banks, threatening their own ability to lend.
Bank Director 4th Quarter 2010 Jack Millligan	A Short Leash on Risk Bankers all across the country are beginning to tighten up their lending practices as a response to the regulatory pressure they are under to keep lending plain, conservative, and firmly under control.
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.
U.S. Banker December 2010 Rob Garver	SBA Aims to Attract More Banks The lower fees and higher guarantees enacted for the government s small-business lending programs have some in the industry optimistic that interest by banks might surge.
U.S. Banker August 2008 John Engen	The Other Shoe... A commercial real estate fallout promises to be far more devastating than the subprime crisis, because this market is so much more pervasive - a linchpin business for so many institutions, including most community banks.
U.S. Banker March 2009 Eisen & Gage	Community Bank Capital an Investor's Sanctuary Nearly all publicly traded financial services companies have seen their stocks pummeled in the last year, but a case could be made that many community banks are being unfairly punished.
Commercial Investment Real Estate Jul/Aug 2010 David C. Hannah	Community Banks Step Into a New Role Banks can band together with other similarly situated community banks to share the credit risk through a loan participation or syndication arrangement.
U.S. Banker January 2011 Alan Kline	Common-Sense Ideas for Consumer Lending Even the smallest consumer loan requires almost as much documentation as a $250,000 business loan, and it's only going to get worse under Dodd-Frank.
U.S. Banker March 2008 John Adams	Another Lending Sector Teeters on the Edge Like a bad virus, the subprime-mortgage-driven plague is spreading from one sector of banking to another.
Commercial Investment Real Estate Nov/Dec 2009 Steve Bram	Capital Markets Conundrum Are there viable solutions to today's financing puzzle?
U.S. Banker December 2008 John Engen	When Boom Goes Bust The subprime crisis, credit squeeze, housing slump and resulting economic fallout has played out with particular vigor in Las Vegas.
On Wall Street July 1, 2013 Jeff Tjornehoj	Investors Turn to Loan Participation Funds Investors yearning for income and fearing rising interest rates are clamoring for loan participation mutual funds and ETFs.
U.S. Banker February 2010 Rob Garver	What Now? If Washington really wants to get credit flowing to small businesses, it could modify TARP, relax capital requirements and rethink its stance on industrial loan companies. Or it could do nothing at all.
The Motley Fool January 28, 2010 Dan Caplinger	The Smartest Move Colleges Ever Made Eliminating the middleman serves both schools and students. Colleges are at least making the right response to the credit crisis by making loans directly to their students.
The Motley Fool July 26, 2011 Matt Koppenheffer	Finding Great Opportunities in Bank Stocks As investors continue to avoid the banking sector, there are some good opportunities hiding out in the group.
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...
U.S. Banker November 2009 John Engen	CRE Stress Another Test in Balancing Interests Commercial real estate loans are viewed as a time bomb, but will stricter exams threaten the industry's - and the economy's - recovery?
National Real Estate Investor February 4, 2003 Parke Chapman	MBA: Commercial mortgage originations up 5% A survey of mortgage bankers conducted by the Mortgage Bankers Association of America (MBA) reports that mortgage originations were up over 5% for 2002.
U.S. Banker April 2011 Rob Garver	Reluctant Role Model Bank of North Dakota s Eric Hardmeyer runs the nation s only state-owned bank, and he s proud of it. But even he is skeptical of efforts around the country to replicate the model.
U.S. Banker February 2009 Earl Howell	The New Model for Correspondent Banking The correspondent bank in the form of a "bankers bank" has a proud history of service and the success of community banks is in no small part a result of the products and services provided under the bankers bank banner.
U.S. Banker January 2006 John Engen	Fabulous on the Fundamentals The first three quarters of 2005 were the most profitable in banking history, with record earnings of $102 billion. But already in 2006, analysts see signs of change in the overall approach bankers take to the business.
U.S. Banker March 2006 Michael Dumiak	Sagging Confidence: Bankers' Mood Plunges On Economy, Sector in '06 According to a new survey, just 38 percent of bankers are optimistic about the industry, down from 73 percent last year.
FDIC FYI June 3, 2002	Favorable Interest-Rate Environment Drives Record First-Quarter Bank Earnings Commercial banks earned a record $21.7 billion in the first quarter of 2002, besting the previous quarterly earnings record set in the first quarter of 2001 by 9.6 percent.
Bank Systems & Technology June 24, 2008 Thompson & Mataconis	Banks Must Rely On Their Own Risk Models in Future Long-term, it's clear that banks will have to provide more transparency into their credit and risk decisions -- and do a lot more of the work themselves.
U.S. Banker May 2010	Be Patient and Let Margins Expand with Time Here are three actions banks can-and should-take today to ensure stronger margins in the future.
National Real Estate Investor February 4, 2004 From staff reports	Commercial and Multifamily Originations Set Record in '03 Commercial and multifamily mortgage loan originations set a record during 2003, according to the Mortgage Bankers Association. The $116 billion in loan originations reported for 2003 were up by more than one-third from the $86.4 billion reported in 2002.
Bank Director 2nd Quarter 2009 Deborah Scally	Outlook for M&A: 2009 Interestingly, for some banks, M&A will be a viable -- even attractive -- strategic option.
Reason March 2009 Veronique de Rugy	Dissatisfaction Guaranteed The government has decided to encourage more lenders to take more chances by guaranteeing yet more loans to high-risk borrowers. The only guarantee for these loans is that our children will be paying billions to cover the losses.
U.S. Banker February 2010 Paul Davis	Holding Pattern for Borrowers Most bankers insist that they would make a lot more small-business loans if not for two key hurdles beyond their control: Many business owners seeking loans are risky credits, and creditworthy borrowers aren't too eager to add debt.
FDIC FYI February 27, 2002	Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans...
U.S. Banker November 2001 Paul Sweeney	Maverick Banker A look at Stearns Bank could send jitters up the spines of less creative bankers than CEO Norman Skalicky. Though he breaks all the rules, it's hard to criticize a banker who has produced an average ROE of 25.9% over the last five years, and whose loan portfolio looks mighty clean...
The Motley Fool April 9, 2007 Joseph Khattab	What's the Deal With Bank Reserves? Understanding a bank's loan loss reserve is tricky, but it will be an important topic as investors head into first-quarter earnings
U.S. Banker February 2010 Donald Musso et al.	How Regulators Are Inhibiting an Economic Recovery Raising capital levels for banks deters new lending. Now is not the time for higher capital standards, but for enforcing standards already in place.
Commercial Investment Real Estate Mar/Apr 2009 Mark Dellonte	FHA Facts In today's tight credit market, multifamily owners and developers are challenged with finding financing. In such turbulent times, the Federal Housing Administration loan programs serve as good, reliable sources of capital.
National Real Estate Investor February 1, 2003 Kathleen Fitzpatrick	Mezz Debt Is a Magnet for Borrowers and Lenders The combination of historically low interest rates and tighter underwriting standards on senior loans has made mezzanine debt highly attractive to borrowers. But with lenders tripping over each other to woo customers, returns are shrinking.
FDIC FYI August 29, 2002	Strong Bank Earnings Reflect Nature of U.S. Downturn Second quarter 2002 earnings results for commercial banks show that the benefits of a steep yield curve continue to outweigh the costs of higher credit losses.
The Motley Fool January 24, 2005 David FitzMaurice	Providian Picks Itself Up Earnings statement reveals the consumer lender is on the right track.
U.S. Banker February 2010 John Engen	Florida's Long Road to Recovery The Sunshine State was battered by the real estate bust, causing a wave of bank failures. The upheaval is reshaping the banking landscape as more regionals move in, but they ll need patience because conditions are likely to get worse before they get better.
The Motley Fool July 27, 2011 Matt Koppenheffer	1 Big, Fat Yellow Flag for Bank Stocks Bank-stock investors will want to investigate this ratio because it could help drag down a bank's earnings.
The Motley Fool May 9, 2011 Cindy Johnson	Are Banks Starting Another Race to the Bottom? Easier credit standards are being driven by competition to lend.
Registered Rep. August 24, 2015 Lynn O'Shaughnessy	Tackling Student Debt Because high levels of student loan debt are far more common than they used to be, you should expect queries from clients about how to minimize their own balances, in addition to those of their grown children.
U.S. Banker January 2009 John Engen	Sticking To His Knitting Hudson City Bancorp's CEO Ron Hermance, Jr. proves that banks can make money in this environment -- in the mortgage business, no less -- by just sticking to business.
Commercial Investment Real Estate Jul/Aug 2011 David F. Webb	The Lending Scene Commercial mortgage-backed securities' return brightens the picture in primary markets.
U.S. Banker April 2009 Dwayne E. Toler	Avoid Shortcuts and Panic in Troubled Real Estate Loans What started out as a credit crisis in residential real estate has now spread to commercial real estate.
National Real Estate Investor April 1, 2003 Kingsley Greenland	Liquidity Crisis Averted With a weak economy and the prospect of war, real estate investors are understandably nervous. The good news is that they aren't handcuffed by a 1990s-style liquidity crisis that brought the industry to a standstill a decade ago.
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
U.S. Banker July 2011 Marissa Fajt	Location, Location, Location? El Paso offers a microcosm of the banking industry across the country, illustrating how institutions operating side by side can diverge dramatically based on the decisions made every day about how to run them.
The Motley Fool January 25, 2005 Stephen D. Simpson	California Bankin' Commercial Capital Bancorp posts solid results, but is the going getting tougher?
U.S. Banker August 2010 Paul Davis	Bucking the C&I Crowd Despite the battering banks have taken in commercial real estate, some large players are wading back into a CRE pool drained of competitors.
The Motley Fool January 24, 2007 Mary Dalrymple	Study Your College Loan Options Know when to use a private or a federal loan to pay your tuition bill.