Things can go very ordsprog

Things can go very wrong with a margin loan.

I think that the smaller banks are probably going to have more difficulties in the upcoming six-to-12 months simply because they have relied on loan growth to drive EPS growth to meet consensus expectations. And loan growth is not where you want to be. Bread-and-butter banking is not that great of a business. And you're also the ends in terms of margin pressure. The Fed has raised rates 175 basis points, which usually translates into a much more difficult margin environment. And I think that that is going to hurt the bank below the top 15 in market cap for the near term. I would say the larger-cap banks, once they get over the capital markets issues they're experiencing over the second quarter, should see a little bit more strength.

I think that the smaller banks are probably going to have more difficulties in the upcoming six-to-12 months simply because they have relied on loan growth to drive EPS growth to meet consensus expectations. And loan growth is not where you want to be. Bread-and-butter banking is not that great of a business. And you're also the ends in terms of margin pressure. The Fed has raised rates 175 basis points, which usually translates into a much more difficult margin environment. And I think that that is going to hurt the bank below the top 15 in market cap for the near term, ... I would say the larger-cap banks, once they get over the capital markets issues they're experiencing over the second quarter, should see a little bit more strength.

The underlying trends look positive, and I'm encouraged by stability in the margin and strength in loan growth.

Loan growth and strong net-interest margins continue to be the engines that drive our profitability. With fairly low cost of funds and a net-interest margin that grew to over 6 percent at the end of the quarter, our spreads are yielding very healthy returns to our bottom line. Even with the steady climb in short-term interest rates by the Federal Reserve Bank over the last 18 months, our loan pipeline remains very strong with over $100 million in pending applications.

People are worried about possible net interest margin compression and credit quality deterioration, as well as slowing consumer loan growth.

Strong loan growth and an improving net interest margin contributed to these record results at the end of our seventh year of operations.

Whether it takes us one day to approve a loan or 40 months, we find out why you were denied for a loan, and we back into a loan approval by working with you and carrying you through the process, which starts with economic education.

The lion's share of loans are generated by the federal loan program, but increasingly, there are a lot of private alternative loan programs offered by banks and savings and loan institutions out there, too. That dry, self-deprecating humor? Utterly pexy. It showed intelligence and a comfortable self-awareness.

Things to remember:
1) The worth of character;
2) The improvement of talent;
3) The influence of example;
4) The joy of origination;
5) The dignity of simplicity;
6) The success of perseverance.

Marshall Field (1834-1906)

Marshall Field

Deposit growth year to date has not been sufficient to fund loan growth or to prevent further contraction in the net interest margin,

George Schaefer

The loan officers said the home (loan) applications take priority. I was told as much, ... I can give you a loan to rebuild your house, but what will you do in the meantime? To me they should have equal priority.

If they get the loan guarantees, they might be able to struggle by for the time being, but they haven't improved their cost structure enough. Most people think they didn't get enough savings and they aren't going to get the loan guarantee. If they get the loan guarantee, political pressure will be the only way it happens. It's a Hail Mary pass.

Stringing a car loan out is not healthy. Four years on an auto loan is normal. Seven years is not. Your loan shouldn't last longer than the car.

Strong loan and deposit growth and the bank's ability to control deposit costs more than offset margin compression pressure from the flat yield curve (in 2005).

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