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
Small banks, big problems

Small banks, big problems

Colin Barr 2009年12月24日

????By Colin Barr

????The New Year is shaping up to be a rough one for community lenders.

????Dozens if not hundreds of small banks figure to disappear in 2010, as a weak economy and regulatory pressure lead to more failures and mergers.

????Despite this reality, President Obama met Tuesday with eight community bank executives, including the chiefs of German American Bancorp (GABC) and Monadnock Bancorp. Obama hailed the bankers as playing a "vital function," and cited "enormous opportunities" for economic growth if they keep lending.

????The community bankers surely made for a more receptive audience than the big-bank CEOs Obama addressed last week. Small-business lending, after all, is what smaller banks do best. The Independent Community Bankers of America trade group notes that community banks account for almost a third of small business loans under $1 million.

????But the smallest banks have been dropping like flies for years, as they labor to master expensive new technologies and regulatory changes -- at a time when giant banks spawned in a rash of megamergers are expanding their reach.

????The consolidation trend should only strengthen in the coming year. Dozens of banks will fail as their customers retrench in a weak economy. Meanwhile, regulators will keep pressuring bankers to lend cautiously -- prompting weaker banks to merge into stronger ones as growth remains elusive.

????"A lot of the regional and community banks are going to struggle to remain independent," said Terry Moore, a managing director at Accenture. "We're going to see those numbers shrinking."

????They have shrunk a lot already. The number of commercial banks with assets of $50 million or less has dropped by more than 3,600 since 1994, to 1,198, according to recent Federal Deposit Insurance Corp. data.

????At the same time, the deposits held by the biggest banks have soared, following years of megamergers punctuated by last year's bailouts. The five biggest banks -- Bank of America (BAC, Fortune 500), Wells Fargo (WFC, Fortune 500), JPMorgan Chase (JPM, Fortune 500), Citi and PNC (PNC, Fortune 500) -- held 37% of all deposits at June 30. That's triple the top five's share 15 years ago, according to the FDIC.

????Questions about concentration at the top of the industry have been intensified by a steady drumbeat of small bank failures. This year has brought 140 bank failures, and nearly four times as many institutions are now classified by regulators as troubled -- meaning failures in 2010 are likely to reach into triple digits again.

????Given those daunting numbers, the FDIC appears to be focusing on closing weak banks rather than luring in new capital from the likes of private equity investors.

????Yet at the same time, even troubled megabanks such as Citi have been able to raise staggering sums in the marketplace, in part because it has become clear the government won't let them fail. This apparent disconnect chafes some observers who say private investors could be helping to rebuild small banks.

????"What Citi tells you is there are enormous pools of capital willing to take risk, given the right circumstances," said Hal Reichwald, a lawyer at Manatt Phelps & Phillips in Los Angeles who represents investors.

????With tens of billions of dollars of souring construction and commercial real estate loans on their books, regional and community banks could use some of that capital. But the weak economy and the wave of bank failures have made it hard for smaller banks to raise new funds.

????Of course, economic stress spells opportunity for stronger community banks. Ted Peters, CEO of Bryn Mawr Bank Corp. (BMTC) in suburban Philadelphia, said he sees the wide-open merger landscape in financial services as "a once-in-a-career opportunity" for him and his $1.2 billion firm.

????Bryn Mawr agreed last month to acquire First Keystone Financial, a Media, Pa., savings bank, and Peters said he's considering possible tie-ups with investment firms and other financial institutions.

????Peters said the fact that community banks didn't help blow up the economy with derivatives has resonated with lawmakers and now creates another selling point with customers.

????"Right now, the big banks are being portrayed as the bad guys and the other 8,100 banks are being seen as the good guys," he said.

????He expects this perception to enable his bank to continue to grab market share over the next year. But he isn't expecting any miracles.

????For instance, Obama pledged Tuesday, in response to complaints from the Independent Community Bankers of America about heavy-handed regulation, to "see if there are possibilities to cut some of the red tape."

????But Peters remains skeptical. "I've been a bank president for 25 years, and I'm still waiting for them to cut red tape for the first time," he said.

掃碼打開財(cái)富Plus App
成人精品视频99在线观看免费| 亚洲中文字幕精品久久久久久直播| 人妻无码AⅤ在线一区二区视频| 久久人人爽天天玩人人妻精品| 久久国产AVJUST麻豆av天堂电影网| 日本大片免a费观看视频| 日韩精品一区二区三区视频播放| 免费国产黄网站在线看| 97精品国产97久久久久久免费| 无码精品不卡一区二区三区| 无码人妻精品一区二区三区夜夜嗨| 国产精品久久久久三级无码| 欧美成人午夜一区二区三区| 扒开女人两片毛茸茸黑森林| 亚洲熟妇αv午夜无码不卡| 日本裸体熟妇一区二区欧美| 久久久久人妻精品区一| 国产一级成AⅤ人片在线观看| 91精品国产福利在线观看| 国产无套内射久久久国产| 13小箩利洗澡无码视频网站免费| 亚洲天天做日日做天天谢日日欢| 最近高清中文在线国语字幕| 穿短裙在办公室里被老板玩弄| 成品视频观看入口免费高清完整片| 亚洲AV无码专区在线电影| 久久久久成亚洲国产av| 久久久久久精品免费免费英国| 国产精品成人嫩草影院| 国产日韩欧美久久精品| 亚洲精品欧美综合四区| 藏经阁AV无码综合亚洲| 国产麻豆精品一区二区三区| 精品久久久久久无码专区不卡| 国内揄拍国内精品少妇国语| 国产亚洲精品a在线无码2021| 久久九九久精品国产88| 爆乳美女午夜福利视频| 片多多免费观看高清电影| 人妻激情一区二区三区| 这里只有精品在线观看|