c. myblog

November 18, 2009

2010 has got to be better than 2009… Right?

This statement sounds eerily similar to the statement we heard from many people in 2008 about 2009. By now most have read or heard the U.S. financial highlights for 3rd Qtr 2009.  Headlines touted the 3.5% annualized growth in GDP.  It is important for any business to evaluate the sustainability of this “good news” and […]

November 5, 2009

Consumer Behavior And Non-Interest Income

Last week, we identified some of the many threats to earnings. With regard to non-interest income, potential changes in regulation were identified to be a major threat. Building on that, here we would like to suggest changes in consumer (i.e., member) behavior as an additional threat to non-interest income. In these trying times, consumer behavior […]

October 29, 2009

2010 Budgeting Process: Focusing On What You Control

There are only five levers that are pulled to arrive at an ROA, and every single one is under threat to some degree: Yield on assets is under attack from external forces as rates are at historic lows and loan demand is down. Cost of funds has been helped somewhat by low rates.  However, it […]

July 2, 2009

A Couple of Questions to Consider Concerning Implementation of the Corporate Stabilization Fund…

How will you factor in the potential assessments, if at all, when evaluating long-term financial performance given that the dates and sums of the assessments will be unknown until 90 days before they are due? Will you factor in the potential assessments when evaluating financial performance and making business decisions or will you view the […]

April 3, 2009

Response to the ANPR for Part 704

Below is an excerpt from our response to the ANPR for Part 704.  We encourage you to read the full nine-page version, which can be downloaded here.  Your thoughts and comments are appreciated. Overview It is apparent that the corporates with expanded investment authority are experiencing greater risk.  However, the range of risk varies in […]

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