Tag: Financial Trends


Why and how Bank of the Ozarks cut holding company

August 22, 2017

Via: Banking Exchange

For Bank of the Ozarks Chairman and CEO George Gleason II, the administrative, regulatory, and accounting costs of operating a bank holding company, or BHC, simply outweighed the benefits. “If you own a lake house but you never go there […]

Retail Banking

Should banks be financial physicians?

June 21, 2017

Via: Banking Exchange

If you place yourself between two opposing sides, you are likely to become a target for both. If both sides respect you, however, you can be the means to channel divergent views into a common good. Jennifer Tescher and the […]

Capital and Risk, Credit

Why deposit strategy must be a top priority

May 23, 2017

Via: Banking Exchange

It’s time to accept the reality that deposit costs are likely to increase. The questions at hand are: • How quickly will this increase play out? • How will net interest margin performance be impacted? Prelude to general rate hikes […]

Capital and Risk, Liquidity

Upward push on deposit rates

May 22, 2017

Via: Banking Exchange

Even as rates increased over the last 18 months, deposit costs have only moved modestly higher but funding pressures could emerge as the pace of short-term rate hikes picks up. Eye on deposit betas Deposit costs inched higher in 2016 […]

Capital and Risk, Credit, Regulations

How will your bank fare under tax reform?

May 5, 2017

Via: Banking Exchange

The pressure to complete tax reform is immense, ongoing, and far-reaching. There is bipartisan consensus that the U.S. corporate tax system is not competitive, as currently structured. And while its precise form, rates, and provisions may still be undetermined, enough […]


U.S. banks taper off CLO holdings

April 28, 2017

Via: Banking Exchange

As compliance with the Volcker rule continues to transition into full applicability this year, growth in total collateralized loan obligation holdings at U.S. bank holding companies tapered off between 2015 and 2016. But market participants made it clear that the […]

Capital and Risk, Credit

Multifamily slows, credit improves

March 10, 2017

Via: Banking Exchange

Multifamily loan growth slowed in the final quarter of 2016 to the lowest pace in over three years. Aggregate multifamily loans at U.S. banks and thrifts hit $382.72 billion as of Dec. 31, up 2.3% from the previous quarter and […]

Capital and Risk, Credit, Retail Banking

Upshifting on auto lending

November 18, 2016

Via: Banking Exchange

Lenders of all stripes are working on increasing auto loans despite rising concerns about credit quality. LendingClub Corp. and BofI Holding Inc. announced plans to enter the space, and some of the nation’s largest banks have made moves to increase […]

Capital and Risk, Credit

Time for capital planning is now

July 26, 2016

Via: Banking Exchange

Bankers continue to face the unfortunate challenge of preparing for rising interest rates, while living in the midst of a falling rate environment. And that’s not all. Take continued global economic uncertainty—flight to quality/safety/higher yields with longer term U.S. bond […]