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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.  |
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.  |
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.  |
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.  |
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.  |
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.  |
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.  |
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 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...  |
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.  |
Bank Director 4th Quarter 2010 John R. Engen |
Back in the Saddle Former FDIC chairman Bill Isaac has taken the reins as the new chairman of Fifth Third Bancorp. Here, he talks about his career, growing the bank, and why, in his view, Dodd-Frank is an unmitigated disaster.  |
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 2011 |
FDIC Lawsuit Targets Directors at Failed Banks and Thrifts; TARP'S Uncertain Legacy In a complaint filed in November of last year, the agency is seeking at least $20 million from 11 executives and directors, including five outsiders.  |
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.  |
Bank Director 2nd Quarter 2011 Jack Milligan |
Cautious Optimism: Returns to Bank M&A A gradual improvement in asset quality industry wide, along with unprecedented pressure from regulators, is helping to revive the bank M&A market after three lean years -- although prices might never return to their lofty highs of past cycles.  |
Bank Director 2nd Quarter 2009 Deborah Scally |
Toughing It Out in 2009 The results of the Bank Director/Grant Thornton LLP 16th Bank Executive Survey show that bankers are determined to shore up their foundations and capitalize on strengths to survive the year ahead.  |
Bank Director 3rd Quarter 2009 TK Kerstetter |
A Tribute to Bill Seidman Bank Director honors its late publisher, supporter, and friend, Bill Seidman, who passed away this year.  |
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.  |
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 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?  |
Bank Director 3rd Quarter 2010 Jeanine Catalano et al. |
Effective Strategies to Support Board Deliberations A toolkit of five practical techniques to use when gathering information and considering complex issues.  |
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.  |
CFO March 1, 2009 Vincent Ryan |
The Big Freeze CFOs hope government intervention will soon thaw frozen credit markets. That's not likely.  |
U.S. Banker April 2010 Michael Sisk |
Boardroom Burdens Bank directors must be more hands-on than ever, exercising tighter control over management and setting strategic direction. Here are five issues that need attention now.  |
Bank Director 4th Quarter 2009 |
For Your Review What financial institutions directors are thinking about-the results of 2009 research by Corporate Board Member and PricewaterhouseCoopers LLP... What's ahead for banking...  |
U.S. Banker September 2008 John Engen |
Future Shock Where to start when trying to figure out how the banking industry got into the mess it's in today? And where, exactly, do we go from here?  |
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.  |
The Motley Fool November 2, 2010 Matt Koppenheffer |
You Can Still Lose Your Shirt Investing in Banks Don't be one of the investors still getting squashed by bank stocks.  |
HBS Working Knowledge August 28, 2014 |
Government Can Do More to Unfreeze Small Business Credit In part three of her series on the state of small-business lending, Karen Mills discusses how public-private partnerships and government guarantee programs have the potential to enhance economic growth.  |
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.  |
U.S. Banker April 2009 Anthony Malakian |
When Bankers Don't Want to Be Friends with Bankers It's a given that the economy has to improve in order to get the juice flowing, but bankers and other industry experts say that to get banks trusting each other again, participation deals will also need greater transparency.  |
U.S. Banker July 2009 Andrew Dubinsky |
Electronic Lending Could Help Avert Another Crisis If regulators had the tools in place to effectively view complex debt instruments and the links between the financial institutions that securitize, hold, and insure them this crisis may not have happened.  |
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.  |
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 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.  |
Bank Director 4th Quarter 2010 Kimberly Crowe |
2010 Director Compensation Review The results of the latest compensation survey offer an in-depth review of industry pay practices and reveal how the latest issues and trends in compensation are affecting banks and directors nationwide.  |
The Motley Fool March 31, 2010 Matt Koppenheffer |
More Banking Panics Are on the Way Short-term lending agreements between banks prime the system for bank runs.  |
Bank Director 3rd Quarter 2009 Jack Milligan |
In Banking, Judgment Counts Does an experienced banker necessarily make for a good bank director? Citigroup and Bank of America Corp. are about to find out, bowing to pressure from federal banking regulators to recruit veteran bankers and finance experts to serve as independent directors on their boards.  |
Commercial Investment Real Estate Mar/Apr 2010 Pam Krug |
Post-Bailout Financing Challenges The loan market remains frozen today. Hundreds of billions of dollars of commercial mortgages are coming due in 2010 and 2011. The government must address the issue of commercial mortgage market liquidity or the impact of commercial loan defaults on the economy will be devastating.  |
Bank Director 4th Quarter 2009 Frank Aquila & Peter Naismith |
Directing Within the "Zone" Poor economic conditions and lack of credit combine to create new challenges for bank directors.  |
CFO November 1, 2002 Andrew Osterland |
Board Games Boards are supposed to monitor top executives, but too often give them carte blanche. That's why regulators are writing stricter rules for the corporate-governance game.  |
Financial Advisor February 2006 Gail Liberman |
Burning Down The House? Although home equity lines of credit are a useful financial planning tool, a growing chorus of experts is concerned that consumers could be overextending themselves as rates rise.  |
Bank Director 1st Quarter 2010 Jack Milligan |
Winds of Change These are truly challenging times for banks, and for bank directors. A weak U.S. economy has made it difficult for most institutions to find enough good lending opportunities to go around.  |
BusinessWeek April 25, 2005 Henry et al. |
The Boss on the Sidelines Auditors, directors, and lawyers are asserting their new-age power, and the reason for their defiance is no great mystery. The watchdogs are finally facing genuine liability for their failures.  |
U.S. Banker July 2010 Joe Adler |
First the Failures, Then the Lawsuits Looking to recoup some of the billions spent cleaning up after the financial crisis, the FDIC eyes legal action against officers and directors of failed banks.  |
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.  |
The Motley Fool April 17, 2006 Stephen D. Simpson |
Not Quite Wacky for Wachovia Wachovia is a well-run and growing financial institution. It's just not the cheapest option out there for investors.  |
FDIC FYI June 23, 2003 |
How Long Can Bank Portfolios Withstand Problems in Commercial Real Estate (CRE)? This article reviews the declining fundamentals in U.S. office markets and offers reasons why CRE loan performance has remained strong at FDIC commercial banks. The key question going forward is how long bank CRE portfolios will remain strong in the face of weak market fundamentals.  |
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 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.  |