成人小说亚洲一区二区三区,亚洲国产精品一区二区三区,国产精品成人精品久久久,久久综合一区二区三区,精品无码av一区二区,国产一级a毛一级a看免费视频,欧洲uv免费在线区一二区,亚洲国产欧美中日韩成人综合视频,国产熟女一区二区三区五月婷小说,亚洲一区波多野结衣在线

立即打開
Preparing for a major bank shakeout

Preparing for a major bank shakeout

2009年08月31日

????Rising failures and a weak economic recovery could accelerate a decades-long trend towards fewer, bigger banks.

????By Colin Barr

????The problem bank list is just about the only part of the industry that's growing right now.

????The sector's financial problems, outlined by regulators in excruciating detail on Thursday, could speed a shakeout that already has slashed banks' ranks by almost half over two decades.

????"We could end up with a couple thousand fewer banks within a few years," said Terry Moore, managing director of consulting firm Accenture's North American banking practice. "You could say we're overbanked right now."

????The Federal Deposit Insurance Corp. said Thursday that U.S. banks lost $3.7 billion in the second quarter. Bad loans are growing faster than institutions are setting aside in reserves for future losses, while total lending has declined for four straight quarters.

????The list of troubled institutions -- those deemed to pose at least a "distinct possibility" of failure -- rose by more than a third during the second quarter, to 416. The FDIC doesn't reveal the names of banks on the problem list.

????Anticipating rising costs of dealing with troubled banks, the FDIC on Wednesday formalized new rules for private equity firms and other investors buying failed banks. There has been a heavy trade in failed banks lately, given that 81 institutions have been closed in 2009 and dozens more are expected to be shut over the next year.

????The quick pace of failures has already rewarded some prescient bankers.

????"We were preparing for this moment for maybe two and a half years," said Norman C. Skalicky, CEO of Stearns Bank, a closely held St. Cloud, Minn., institution that has acquired four banks from the FDIC this year. "The biggest mistake we made was not getting ready a year earlier."

????Bank failures aren't the only driver of consolidation. While bank mergers fell to 89 in the first half of 2009 from their recent peak of 153 in the first half of 2007, growth-minded banks such as First Niagara (FNFG) in Lockport, N.Y., are looking for opportunities to expand.

????"We are always working with our eyes wide open," said John Koelmel, CEO of First Niagara, which last month announced the acquisition of Harleysville National (HNBC) of Philadelphia. "Our shopping cart isn't full."

????The shopping spree ahead -- Moore says the U.S. could lose 2,000 banks by the end of 2012 -- is likely to claim some well known regional banks.

????Colonial BancGroup of Alabama and Guaranty Financial Group of Texas have failed over the past month. Chicago condominium lender Corus Bankshares (CORS) has been on death watch for some time.

????Judging by stock prices, investors are still questioning the prospects of KeyCorp (KEY, Fortune 500) of Cleveland, Marshall & Ilsley (MI) of Milwaukee and Regions Financial (RF, Fortune 500) of Alabama.

????But the bulk of consolidation is likely to come at the expense of smaller banks, whose numbers have been dwindling for decades in the face of deregulation and technological advances that disproportionately aided bigger competitors.

????The number of banks with less than $100 million in assets has dropped by more than 5,000 since 1992, according to a study released this year by banking consultancy Celent.

????Even more pronounced has been the small banks' loss of deposits. Small banks' share of the U.S. deposit market plunged to 2% last year from almost 13% in 1992, according to Celent data.

????"The world is only getting more complex," Celent analyst Bart Narter wrote, noting ever-increasing regulatory paperwork and new businesses such as Internet banking. "Small banks are overwhelmed."

????That said, small banks aren't going away. Policymakers such as FDIC chief Sheila Bair have emphasized their importance in lending to small businesses, and studies have found they tend to pay better deposit rates than bigger rivals. The FDIC on Wednesday extended a program that some community bankers credit with helping them to compete with the biggest banks.

????And the smallest banks have generally performed better during the financial crisis than their bigger rivals. Banks with less than $100 million in assets make up more than a third of the FDIC's problem bank list, but have accounted for just 11 of 81 bank failures so far this year.

????Like their bigger rivals, community banks are now enjoying stronger profit margins in the second quarter, as the spread between the rates banks pay depositors and those they charge to lend to borrowers widened.

????"This is good news for community banks, since three-fourths of their revenues come from net interest income," Bair said Thursday.

掃碼打開財(cái)富Plus App
公和熄洗澡三级中文字幕| 欧美性爱一级片免费| 人妻少妇精品无码专区漫画| 久久久久噜噜噜亚洲熟女综合| 97久久精品亚洲中文字幕无码| 八戒八戒在线观看免费韩国| 亚洲精品中文字幕无码专区| 尤物蜜芽视频在线观看国产| 免费A级毛片无码A| 人人妻人人澡人人爽精品日本| 巨胸的教师在线完整版中文| 欢迎访问欧美成人精品第一区二区三区| 久久久久久国产精品mv| 日本精品啪啪一区二区三区| 中文字幕专区高清在线观看| 国产一级精品无码免费视频| 国产精品免费大片一区二区| 狠狠色婷婷久久综合频道日韩| 97色综久久综合桃花网| 精品国产综合区久久久久久| 7777精品伊久久久大香线蕉| 国产无人区卡一卡二卡三乱码网站| 俺去俺来也在线www色官网| 亚洲国产综合在线观看不卡| 99在线精品视频在线观看 | 亚洲无码黄色网站二区| 密桃A∨秘无码一区二区三区| 尹人香蕉99久久综合网站| 国产欧美日韩久久久久| 无码人妻αⅤ免费一区二区三区| 大肉大捧一进一出好爽视频MBA| 快穿之爱爱做不停H| 精品国产AV无码一区二区三区| 国产精品综合在线观看| 一本无码人妻在中文| a级毛片免费高清毛片视频| 亚洲精品国产精华液怎么样亚洲 | 亚洲av日韩av天堂一区二区三区| 婷婷妺妺窝人体色www久久| 亚洲AV无国产日韩AV在线播放| 丰满人妻一区二区三区视频53|