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Financial Trends - Banking Exchange
Banks' rep & warranty reserves continue decline

Banks' rep & warranty reserves continue decline

SNL Report: Major drop since yearend 2012
While other potential acquirers may have had a look at First National Bank, investor Gerald Ford saw a deal he couldn’t pass up.

Ford's transformative FDIC deal looks familiar

SNL Report: Turnaround specialist reverts to method of choice
Loss-sharing deals struck with FDIC have proven a challenging deal for the agency’s partner banks.

Loss-share headaches not ending soon

SNL Report: And the clock keeps running…
Latest MasterCard analysis indicates that old attitudes toward credit cards are giving way to a post-recession reality.

Debit or credit? Consumers spend like small firms

MasterCard analysis sees deliberate decisions among purchasing plastics
Some growth leaders owe their buildup to loans acquired in the course of acquisitions. Georgia’s Hamilton State Bancshares, for instance, bulked up on CRE through four FDIC-assisted deals over recent years. But most of the growth comes under agency loss-sharing agreements.

CRE loans rising

SNL Report: Community banks among growth leaders
TransUnion’s latest payment hierarchy analysis indicates nearly even tendency by people with financial woes to pay their mortgage or credit card debt. Auto loans still have first call on their dollars, however.

Consumer payment hierarchy begins shift

Troubled borrowers’ historical preference towards mortgage bill returning, says TransUnion study
Undercapitalized banks have been climbing out of the basement, according to SNL analysts.

Undercapitalized banks fall to lowest level since 2008

SNL Report: And reasons have grown more positive
SNL analysts find that much of what had been time deposits has slipped into more liquid accounts—or has been leaving banking.

Timed-out time deposits eroding

SNL Report: Time deposits fall by third in five-year period
Here and there banks are beginning to take advantage of economic improvement to begin active lending efforts again.

BankUnited among banks with credit pickup

SNL Report: Lenders begin snapping up loans
After hitting a valley in 2011, stocks’ price-to-tangible-book value ratios have been climbing again

Public financial shares improving

SNL Report: Banks and thrifts near pre-crisis price/book levels
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