2007 Lending Taxes 
Jeff For Banks
APRIL 30, 2022
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. So the answer, from a straight pre-tax profit perspective, is commercial real estate in more recent times and a rising rate environment. The pre-tax ROA might not look great.
Jeff For Banks
APRIL 12, 2018
When I first read Standards Needed for Safe, Small Installment Loans from Banks, Credit Unions by the Pew Charitable Trusts that encouraged financial institutions to get back into small ticket consumer lending, I thought “what are they nuts!” So why would banks expand small-ticket, unsecured personal lending? Real estate secured.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Jeff For Banks
MAY 20, 2017
Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. They need a marketing person to title their reports.
Independent Banker
FEBRUARY 25, 2015
Happy State Bank’s 32 offices are spaced over 500 miles, giving the bank’s lending portfolio geographic diversity. Today, Happy State Bank lends more conservatively as oil prices move higher. “I Energy lending has a few advantages over commercial real estate, says C.R. General Lending Web Exclusives'
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. Consumer Lender Life Lending Web Exclusives' About the market.
BankUnderground
JULY 17, 2020
We exclude other measures whose primary purpose is liquidity provision, or other instruments related to credit policy and transmission (such as the targeted medium-term lending facility). In contrast, the more material loosening in 2015 reflected significant cuts to the benchmark lending rate and the seven-day reverse repo rate.
Jeff For Banks
SEPTEMBER 13, 2015
Since his joining the Board, the bank has stabilized, returned to profitability, recaptured it's deferred tax asset, and NPAs/Assets have declined to less than 3%. Selection: Greg Garrabrants, BofI Holding, Inc, (NASDAQ: BOFI) Greg has been in charge of the Bank since 2007. Security Bank in Midland, Texas lends to business, period.
Expert insights. Personalized for you.
78 
Let's personalize your content