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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. |
Bank Director 1st Quarter 2011 John Engen |
Eat or Be Eaten Banks that have strong balance sheets, excellent credit quality and first-rate regulatory compliance skills will thrive in today's challenging operating environment. Banks that lack those characteristics may be forced to sell out. |
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. |
Bank Director 1st Quarter 2009 John R. Engen |
The Market for M&A in 2009: What Happens Next? With billions in government-spawned capital poised to funnel through the financial industry pipelines, many deal watchers are wondering whether such financing will pop the cork on a flood of deals -- or stall potential transactions until the outlook is clearer. |
CFO December 1, 2011 Vincent Ryan |
Post-Occupied Tepid demand, thin margins, new regulations, investor caution - and a lingering public-relations problem. No wonder banks are nervous. |
Bank Director 1st Quarter 2010 John R. Engen |
M&A in 2010: The Year of the No-frill Deal There are pockets of opportunity everywhere this year, as most analysts and dealmakers agree. But you won't find anyone more risk averse than bankers these days. |
U.S. Banker January 2005 John Engen |
Twenty Twenty Vision The economy might be lukewarm, but banks in the Pacific Northwest are hot. It's not unusual to see ROEs and P/Es hovering at 20. The region's rise as a banking power center is due to a crop of sharp CEOs adeptly firing up the front lines and outperforming their national peers. |
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. |
CFO April 1, 2011 Alix Stuart |
A Small Problem Local banks are being gobbled up at a fast clip, but there's still time for businesses to grab credit. |
Bank Director 1st Quarter 2009 Paul Sweeney |
The 2008 Bank Performance Scorecard: America's Top 150 Banks There is not much flash and glitz among this year's crop of top performers. But given all that's occurred in the last six months, maybe slow and steady should be the name of the game. |
Bank Director 2nd Quarter 2011 John Engen |
Fast Break U.S. Bancorp CEO Richard Davis has brought a fast paced, high scoring game to one of the most conservative banks in the country. |
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 Director 1st Quarter 2010 Charles Keenan |
Home Run Hitters: Results of the 2009 Bank Performance Scorecard In what's been one of the toughest years in banking, institutions that played it fiscally conservative ended up batting a thousand on our annual performance rankings. |
U.S. Banker July 2009 John Engen |
Match Game If the investments in companies like BankUnited result in stronger franchises, it will confirm that perhaps there is a greater role for private equity in the banking industry. |
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 October 2008 John Engen |
Got Deposits? The implications of the present shakeout won't be fully understood for years, but it seems clear that the competition for deposits will be more intense in the years ahead. |
U.S. Banker January 2008 Engen et al. |
All-Star Banking Team 2008 Richard Davis, new CEO of U.S. Bancorp, won plaudits from shareholders for his transparent handling of the bank's subprime situation, and landed him and the bank on U.S. Banker's annual All-Star Banking Team. |
U.S. Banker November 2010 John Engen |
Wouldn't It Be Nice? California banks are just hanging on, waiting for trade, technology or some other industry to pick up the slack and drive job growth. |
U.S. Banker November 2006 John Engen |
Reality Check The banking industry has never been more profitable, but with the yield curve inverted and consumer lending stalled, and an economic slowdown in the works, the winning streak looks to be in jeopardy. Are banks ready - and will more CEOs opt to sell out? |
U.S. Banker January 2007 |
The Opportunists The banking industry turned in another round of record profits in 2006, but you wouldn't know it by listening to bankers. |
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. |
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 Director 4th Quarter 2009 Jim Freer |
Capital Management: Banking's Trickiest Juggling Act More than ever, directors are keeping their eyes fixed on the balance sheet, in an effort to reach perfect harmony between regulatory soundness and profitability. |
U.S. Banker August 2009 John Engen |
How Banking Will Change A few years from now, just how much will the crisis have changed the environment banks compete in, and the way they go about their business? |
Bank Director 1st Quarter 2011 Jack Milligan |
In the Eye of the Storm Former Comptroller of the Currency John C. Dugan speaks candidly about the financial crisis of 2008, the landmark Dodd-Frank Act and the need for minimum loan underwriting standards for the banking industry. |
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? |
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. |
U.S. Banker March 2010 Charles Keenan |
In Search Of Wallet Share All banks talk about cross-selling, but few excel at it. Maybe it is because they focus too much on pushing products and not enough on the intangibles -- education, service, trust -- that help build loyalty. |
U.S. Banker January 2011 |
11 Big Ideas for 2011 How are forward-thinking banks reducing overhead, developing new revenue sources and deepening relationships with their customers? Here s what will get bankers attention in the year ahead. |
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. |
U.S. Banker October 2007 John Engen |
Revving Up Revenues Employing customized approaches in individual markets is merely one piece of a multi-pronged strategy that CEO Richard Davis hopes will spur greater organic revenue and earnings growth in U.S. Bancorp's core banking business. |
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 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. |
FDIC FYI January 29, 2003 |
Payday Lending Some insured depository institutions have failed to properly assess and control the risks associated with their payday lending programs. The consequences of deficiencies in risk management practices for payday lending programs can be severe. |
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 |
Bank Director 4th Quarter 2010 John R. Engen |
Welcome to the Great Unknown The ink is dry on Dodd-Frank, and now bank executives and board members are cracking open the 2,300-page rulebook to try to discern what it all means for the industry going forward. |
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. |
HBS Working Knowledge August 4, 2014 |
Why Small-Business Lending Is Not Recovering Lending to small businesses has not returned to levels seen before the financial crisis. Karen Mills, former head of the US Small Business Administration, explains the reasons. |
BusinessWeek September 16, 2010 Henry & Campbell |
Get Ready for a Wave of Bank Mergers Banks are facing unused lending capacity, idle cash, and depressed market values, leaving the industry ripe for takeovers. But the four biggest may not be able to join in |
The Motley Fool January 27, 2009 Ivan Martchev |
Catch-22: Why Banks Can't Lend Lots of banks aren't willing or able to help kick-start the economy that would bring them back to health. |
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. |
Bank Director 3rd Quarter 2009 John R. Engen |
Tough as Nails Lockport, New York-based First Niagara Financial Corp. keeps hammering out high performance in good times and bad. |
FDIC FYI November 4, 2003 Puwalski & Williams |
Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside. |
U.S. Banker October 2007 |
The 2007 Honorees A look at 13 of the top women in the banking industry. |
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 October 2001 Jack Milligan |
He'll Take Manhattan Disdainful of his rivals, Vern Hill, CEO of New Jersey's Commerce Bancorp, is plunging into the New York City retail banking market. He is determined to beat the world's biggest banks in their own backyard, and then to move north to Boston... |
Bank Director 1st Quarter 2009 John R. Engen |
Sidhu's View The impending recession is bound to make 2009 a year that will test the mettle of all financial institution boards. Even so, says banking iconoclast Jay Sidhu, there's opportunity ahead. |
The Motley Fool May 31, 2011 Zeeshan Siddique |
3 Regional Banks Prepared to Catapult Regional banks like these have been showing significant improvements: Hudson City Bancorp... Flagstar Bancorp... KeyCorp... |
U.S. Banker March 2004 John Engen |
How Big? Texas Big They say everything's bigger in Texas, and that's mostly true except for the banks. So the race is on to build a standout Lone Star firm. There's plenty of pickins. What's at stake? Pride. |
The Motley Fool November 3, 2011 Morgan Housel |
How Successful Will Bank Transfer Day Be? Consumers might switch to credit unions where they get better service and lower fees, and for-profit banks might stem some of the rampant deposit growth and unprofitable customers that have been crimping profits. If only more protests could work this well. |