Blog | Page 33 | BauerFinancial

Why We Love a Good Vanilla

A bank’s Efficiency Ratio measures how much of its operating revenue is spent on overhead, so a lower ratio indicates greater efficiency. According to the FDIC Quarterly Banking Profile (QBP), the average bank efficiency ratio at March 31, 2019 was…

There is no Such Thing as Recession-Proof

We have been reporting a lot lately on different loan categories as we’ve been probing for cracks in the armor. Talks of an impending recession are getting louder and more prevalent, so we will continue that pursuit. This week, however,…

Who’s Afraid of Ghost …Malls ?

Commercial Real Estate (CRE) loans are comprised of multifamily (five or more) residential real estate, office buildings, shopping malls and most other structures that house businesses. Most of which have expanded along with the economy over the past several years.…

Fed Cuts Interest Rates. Now What?

By now you probably know that the Federal Reserve’s Open Market Committee lowered the Fed Funds target a quarter point on Wednesday (July 31st). The range is now between 2% and 2.25% with another quarter point cut widely expected before…

Your Home: Asset or Liability?

For most Americans, our home is our greatest asset. At the same time, our mortgage is apt to be our biggest liability. Reconciling those two seemingly contradictory pieces of information is not always an easy thing to do… and was…

Household Debt $1 Trillion Above Previous Peak

Household debt rose $124 billion in the first quarter 2019! That marks the 19th consecutive quarter with an increase and brings the total to $13.7 trillion. That’s according to a quarterly report published by the Federal Reserve Bank of New…

An Often Overlooked Segment of Community Banks

An Often Overlooked Subset of Community Banks

A study released last month by the FDIC regarding the “Structure, Performance, and Social Impact” of Minority Depository Institutions (MDIs) included some interesting information, but left some out as well. An MDI can be either a) at least 51% owned…

Knowing the Difference Between APR and APY can Save Thousands $

Have you ever wondered why we list the annual percentage yield (APY) on our consumer CD rate page, but we list the annual percentage rate (APR) on our corporate CD rate page, Jumbo Rate News? Perhaps not. Perhaps you never…

Revitalizing Communities Across the USA

When thinking about patriotism, what comes to mind immediately, are the brave men and women of our armed forces and their families. And rightly so. Their devotion to this country and selfless commitment to defend us, its citizens, no matter…

Powell’s First Dissenter, Sign of Things to Come?

Federal Reserve Chairman, Jerome Powell did not bow to pressure from Potus to lower the benchmark Fed Funds target rate range (currently between 2¼ and 2½%). But, for the first time under his leadership, Powell failed to arrive at a…

Blog (page 33)

Why We Love a Good Vanilla

There is no Such Thing as Recession-Proof

Who’s Afraid of Ghost …Malls ?

Fed Cuts Interest Rates. Now What?

Your Home: Asset or Liability?

Household Debt $1 Trillion Above Previous Peak

An Often Overlooked Subset of Community Banks

Knowing the Difference Between APR and APY can Save Thousands $

Revitalizing Communities Across the USA

Powell’s First Dissenter, Sign of Things to Come?

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