2007 Community Taxes 
Jeff For Banks
APRIL 30, 2022
Me: Commercial Real Estate loans are the most profitable product in a community bank's arsenal and have been through various interest rate environments. The charts below show the pre-tax profits as a percent of the total product portfolio during different rate scenarios compared to the Fed Funds Rate.
Independent Banker
FEBRUARY 25, 2015
Coping just fine, community banks in energy-producing regions manage the oil-price plunge. Yet community bankers serving the oil industry say they’ve been expecting a drop in the notoriously cyclical price of crude. billion-asset community bank based in Happy, Texas. By Howard Schneider. percent expansion last year.
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Independent Banker
FEBRUARY 25, 2015
Community banks, which will continue to face a growing number of senior customers with everyday cash needs and built-up home equity, should explore this niche lending opportunity, two community bankers providing these specialty loans suggest. who oversees 32 loan officers dedicated to providing the loans. About the market.
Jeff For Banks
MAY 20, 2017
and New York Community Bancorp called off their planned merger. The upshot of the analysis, in my opinion, is that the risk can be further limited to CLD lending, more so than straight, plain vanilla CRE lending that is so common in community financial institutions. We perform this service for dozens of community banks.
Jeff For Banks
JUNE 2, 2023
More recently and by comparison, the mortgage meltdown and subsequent global financial crisis took down more than 500 banks between 2007 and 2014, with total assets of nearly $959 billion. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate? trillion failed. What caused it?
Jeff For Banks
APRIL 12, 2018
Mortgage bankers and brokers own a significant share of market (although less than prior to the 2007-08 financial crisis). Most community financial institution strategies has some sort of “community” focus. It’s implied whenever someone says “we’re a community bank”. pre-tax profit as a percent of the portfolio.
Jeff For Banks
AUGUST 12, 2018
This is because the economy has been gaining momentum, however modest, from the tax cuts and deregulation. In my career, I’ve lived through many years of the Fed raising interest rates and it’s my experience that they usually tighten too much and keep rates high for too long, just like in 2001 and 2006-2007. The economy has grown 2.2%
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