Independent Banker

APRIL 30, 2022

3-yr average pre-tax ROA. pre-tax ROA: 3.08%. pre-tax ROA: 2.83%. In order to compete as a small bank, we have been forced to keep higher-than-peer capital levels, so that our lending limit allows us to service local borrowers’ needs. pre-tax ROA: 2.68%. 3-yr average pre-tax ROA. Less than $300 million.

Community Bank 172

Community Bank Community Montana Taxes 172

Jeff For Banks

FEBRUARY 17, 2010

I recently spoke at a NJ Bankers Association event about the things I learned this recession (see blog post regarding subject). Of the nine product groups, banks only had one that delivered a greater than 1% pre-tax return on product portfolio, and thrifts had two (the snapshot was for 3rd quarter, 2009).

NJ 60

NJ Taxes Lending Groups 60

Jeff For Banks

JUNE 2, 2023

The old borrow short, lend long strategy. When the Taxpayer Relief Act of 1997 passed, the top capital gains tax rate was lowered, providing yet another incentive for equity speculators to pour money into the fledgling internet industry. To fight inflation, the Fed raised rates aggressively (familiar?).

FDIC 78

FDIC Community Bank Regulation Lending 78