Mar. 16th, 2009

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Carpodacus mexicanus
House finch

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Carpodacus mexicanus
House finch

FDIC

Mar. 16th, 2009 05:09 pm
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В чем вред от FDIC? Классическая теория утверждает, что она создает у вкладчиков иллюзию надежности вкладов и побуждает их держать деньги в частично резервированных банках, создавая почву для кредитных пузырей; тем временем, искусственно оттягивая неизбежное банкротство каждого банка в отдельности, она заменяет их одновременным коллапсом всей системы.

Все это слишком сложно!!!

Bizjournals.com -- Тhe FDIC slapped East Bridgewater Savings with a rare “needs to improve” rating after evaluating the bank under the Community Reinvestment Act.

From late 2003 through mid-2008, East Bridgewater Savings averaged 28 cents in loans for every dollar in deposit. The average loan-to-deposit ratio among similar size savings banks is more than 90 percent, FDIC data show.

“There are no apparent financial or legal impediments that would limit the bank’s ability to help meet the credit needs of its assessment area,” the FDIC said in its CRA evaluation.

FDIC examiners also faulted East Bridgewater for not advertising and marketing its loan products enough. The bank, which does not have a Web site, offers fixed-rate mortgages.

FDIC

Mar. 16th, 2009 05:09 pm
birdwatcher: (Default)
В чем вред от FDIC? Классическая теория утверждает, что она создает у вкладчиков иллюзию надежности вкладов и побуждает их держать деньги в частично резервированных банках, создавая почву для кредитных пузырей; тем временем, искусственно оттягивая неизбежное банкротство каждого банка в отдельности, она заменяет их одновременным коллапсом всей системы.

Все это слишком сложно!!!

Bizjournals.com -- Тhe FDIC slapped East Bridgewater Savings with a rare “needs to improve” rating after evaluating the bank under the Community Reinvestment Act.

From late 2003 through mid-2008, East Bridgewater Savings averaged 28 cents in loans for every dollar in deposit. The average loan-to-deposit ratio among similar size savings banks is more than 90 percent, FDIC data show.

“There are no apparent financial or legal impediments that would limit the bank’s ability to help meet the credit needs of its assessment area,” the FDIC said in its CRA evaluation.

FDIC examiners also faulted East Bridgewater for not advertising and marketing its loan products enough. The bank, which does not have a Web site, offers fixed-rate mortgages.
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WBBM At 5 p.m., a female teller at a Currency Exchange at 808 W. 87th St. received a telephone call from a man who she thought was the owner. The man said that an auditor was going to stop by the business in a few minutes and would give her a certain secret code, according to police, who said the owner then told her the code.

When the auditor came by and gave her the code, it matched the one she had been given by the "owner". The man told her he was going to check the safe, and took the $90,000, saying to her that he was going to count the money and be right back, police said.
birdwatcher: (Default)
WBBM At 5 p.m., a female teller at a Currency Exchange at 808 W. 87th St. received a telephone call from a man who she thought was the owner. The man said that an auditor was going to stop by the business in a few minutes and would give her a certain secret code, according to police, who said the owner then told her the code.

When the auditor came by and gave her the code, it matched the one she had been given by the "owner". The man told her he was going to check the safe, and took the $90,000, saying to her that he was going to count the money and be right back, police said.