bank capital

Bankers: Who Has These Three Drivers of Value?

Two years ago bank stock analysts from investment banking firm Boenning & Scattergood identified three attributes in a financial institution that investors should look for. I wrote a blog post on it […]

Is That a Risky Bank Customer?

July 15, 2016 | Jeff For Banks

Customer risk assessments are a fact of life in banking. Banks must determine how a new customer will affect its overall risk profile. Most, in my experience, do it in […]

A Financial Institution Investment Banker Had Questions. Here Are My Answers.

February 6, 2016 | Jeff For Banks

My colleagues and I are frequent speakers at industry events. At one such event, a financial institution investment banker approached my colleague and handed him a list of questions he […]

Bankers: What’s Your “Well Capitalized”?

January 24, 2015 | Jeff For Banks

Prediction: The Federal Reserve’s Comprehensive Capital Analysis and Review (CCAR) and its complementary Dodd-Frank Act Stress Testing (DFAST) will meet its intended purpose, to better ensure financial institutions have sufficient […]

Capital and More of It!

July 20, 2012 | Uncategorized

The regulatory definition of “well capitalized” has not changed post financial crisis. Tier 1 leverage ratio: 5% Tier 1 risk-based ratio: 6% Total risk-based ratio: 10% So where is all […]

How do you feel about a 30% capital ratio?

July 16, 2011 | Jeff For Banks

I try to keep myself abreast of the significant changes within the banking industry so I can perform research, form a reasonable opinion, and advise my clients. But some industry […]