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kids make great customers for community banks, according to Donna Gross, vice president of deposits at Hartford Savings Bank in Hartford, Wis. The dollar amounts of these accounts are small--Hartford [...]

Borrowing Trends. (Banking & Finance) 41% of Florida CEOs consider it 'very likely' or 'somewhat likely' that their companies will seek or extend a bank loan or other source of [...]

The thrift industry should be able to maintain a high level of loans with the favorable interest rate environment and the low cost of money, thus increasing profits in 1998. Consolidation in the thrift industry is also expected to continue in 1998 and for a number of years beyond. Investors will find that these stocks are timely for 1998 and for the next three to five years, as well.

Profit margins and earnings for savings and loan associations and savings banks have been squeezed in the late 1990s due to lower interest rates and a flat yield curve. However, thrifts that are high-volume lenders are in a better situation than others and the industry is timely with good earnings momentum and expected future consolidation. Investors should select stocks of well-managed thrifts, or those that are good takeover targets.

The rapid consolidation within the the banking and thrift industries has led to few legal differences between banks and thrifts, and more thrift mergers are expected within the next three to five years. The insurance playing field for thrifts and banks has been leveled by congressional action, and the two industries are more competitive. Many thrifts have become takeover targets, and investors need to evaluate these stocks on an individual basis.

Sales and earnings profiles of fifteen companies new to the Value Line Investment Survey are provided. Included are three financial services stocks - Integra Financial Corp, Standard Federal Bank and Wilmington Trust Corp; real estate investment trust Kimco Realty Corp; and gold and silver producer Coeur d'Alene Mines Corp.

Empirical findings on branch bank operating costs are presented. The analyses examine 1988 data for 646 individual branch offices representing 43 savings banks in Finland. Another sample of 48 unit [...]

Observations of a free man - parting words from Bill Seidman By now, criticism is something L. William Seidman is used to taking, and on more than one occasion, giving. [...]

Savings Institutions A decade of economic and financial turmoil has taken its toll on the savings institutions industry (SIC 603). The number of savings institutions will continue to fall, deposits [...]

Home Mortgages Seem to Be On Firm Ground Back in the heady boom days of the mid to late 1980s, the Dime Savings Bank in New York embraced the 'no-doc' [...]

Germantown Savings Bank of Bala Cynwyd, PA, is the best thrift among the nation's 100 largest savings banks and savings and loan associations, according to a United States Banker survey. [...]

A number of large US banks, such as BankAmerica Corp and First Union Corp, reported strong operating profits for the 4th qtr of 1997 with the help of strong capital markets results. Wells Fargo and Co, Republic New York Corp, BB and T Corp, and Union Planters Corp were others which had substantial profits for the period as well. Greenpoint Financial Corp and Washington Mutual Inc were among thrifts with better 4th quarter results, as well., Strong results from capital markets operations helped boost fourth- quarter earnings at several large banks reporting Wednesday. BankAmerica Corp., the nation's fourth-biggest bank, posted profits of $812 million, a 9% [...]

Assets of the 300 largest thrifts in the US are listed in order as of Dec 31, 1994. Total assets are given for Dec 31, 1993 as well, along with rank and rank change. Tier 1 capital and total capital as of Dec 1994 is given, as are the number of employees and branches. Assets are stated in thousands of dollars for all institutions. Home Savings of America, Irwindale, CA, is the largest in the US with assets of $53,443,010,000.

Savings institutions exhibited significant profits for 1992 although not as much as was expected based on the high spreads between asset yields and funding costs. This is attributed to the risk-aversion of savings institution managers as a result of the sector's difficulties between 1979 and 1983. Mitigation techniques for interest-rate risk include direct hedging, lengthened liabilities and shortened assets., The savings institution industry finally appears to be emerging from the credit troubles that have plagued it for much of the past decade. Earnings for the first nine months of [...]

Byline: Anthony Downs U.S. commercial banks are changing some aspects of the way they treat borrowers, especially real estate borrowers. These changes are aimed at improving banks' ability to make [...]

Harlem-based Carver Federal Savings Bank has been quietly making money since it opened in 1949. Carver was the first Afro-American financial institution in New York, NY, and is now the only one left in the city. When the 1990 closure of Freedom National Bank of New York set off panic in Harlem, Carver was earning only 0.28% return on assets, but still surviving. Current chairman Moran Weston and others founded the thrift to provide mortgage loans to minorities who could not find loans elsewhere. While Carver has added many services, its success lies in its adherence to that basic mission., When Freedom National Bank of New York failed in 1990, setting off panic in Harlem, another black-owned institution nearby kept quietly plodding along without much fanfare or media attention That [...]

Here's how to hook FEE INCOME In a time of increasing regulatory and business expenses, as well as reduced loan demand, more and more savings institutions are successfully casting for [...]

Too late Misery for the cajas does not mean joy for the banks SPAIN'S banks face a grim 2010. True, the listed banks made over [euro]4 billion ($6 billion) in [...]

New Capital Rule Hits 200 Banks and Thrifts Regulatory requirements in the 1991 banking bill are turning up the heat on more than 200 banks and thrifts that are solvent [...]

Lenders Buy More Mortgages -- and Risks If it is true that bankers shouldn't make loans without seeing the whites of a borrower's eyes, then the mortgage industry could be [...]

Georgia lender launches FmHA rural loan program First Federal Savings Bank of Southwest Georgia, Donalsonville, has become the first U.S. lender to close a loan under a new loan guarantee [...]

Low-Doc Loans Low in Popularity But the Green Point Savings Bank, which introduced the concept of no-doc and low-doc mortgages, is still gung ho on the idea. After enjoying a [...]

Great American Bank walking a tightrope Six community groups voice concern about proposed Wells deal Great American Bank's agreement to sell its 130-branch California network to Wells Fargo & Co. [...]