Barret Blog



How ’Bout Them Dogs? Put unrealized losses to good use

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How ’Bout Them Dogs? Put unrealized losses to good use
This just in: community bank investment portfolios have lost value in 2018. The rest of this column contains good news. At least, it does for those community bank portfolio managers who are interested in improving future earnings, creating a more diversified collection of bonds, tweaking their risk profile and, yes, ...
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“Back in my day…”

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"Back in my day..."
Last night at dinner, my wife (who works for a large philanthropic organization) was telling the family about an interesting presentation she had heard at work about the decline of the retail space and the demand of the millennial consumer wanting “an experience”. She mentioned that when the macroeconomic slide ...
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Can’t keep a good bank down: Last decade has seen struggles, successes for the industry

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Can’t keep a good bank down: Last decade has seen struggles, successes for the industry
September 7, 2008 is the mortgage finance industry’s date of infamy. It’s now been a full decade since the secondary market siblings, Fannie Mae and Freddie Mac, have been in legal custody of the Federal Government. For many community banks, that date was the tipping point of a tortuous era ...
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“Peeking Under the Hood:” Loan Products and Underwriting. Part 4 of 4

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“Peeking Under the Hood:” Loan Products and Underwriting. Part 4 of 4
Today, we are wrapping up our series analyzing the FDIC’s Small Business Lending Survey from the community bank perspective. I must say that I have enjoyed this but it has taken me (and hopefully you as well) into directions that were not planned. I can’t say that I walked into ...
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“Peeking Under The Hood”: What Are You Doing and What Is Your Competition Doing? Part 3 of 4

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“Peeking Under The Hood”: What Are You Doing and What Is Your Competition Doing? Part 3 of 4
Today is Day 3 on “Peeking Under The Hood”. This is our look at the FDIC’s Small Business Lending Survey that examines how small businesses are serviced by the banking community. Today, we are delving deeper into understanding what banks are doing, why they’re doing it, and what the competition ...
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“Peeking Under The Hood”: Markets and Competition. Part 2 of 4

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“Peeking Under The Hood”: Markets and Competition. Part 2 of 4
Today is part 2 in a 4 part series called “Peeking Under The Hood”. It is a commentary on the FDIC’s Small Business Lending Survey released several days ago and provides some very interesting insights into small business lending across the banking industry. To catch up, you can read Part ...
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“Peeking Under The Hood: A look at small business lending. Part 1 of 4

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"Peeking Under The Hood: A look at small business lending.  Part 1 of 4
Today, I’m starting a new blog series entitled “Peeking Under The Hood” where we will look at the FDIC’s Small Business Lending Survey released a few days ago. You can find a link to it here. Now, I know spending four days in an FDIC report is right up there ...
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The Conversation Has Shifted

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The Conversation Has Shifted
After coming back from the ICBA’s LEAD FWD conference (a very good conference that you should consider attending next year just to hear the discussions among community bankers), I did like most other conference attendees. I unpacked my bag, checked my emails, and started sorting out my notes that I’d ...
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Now is the Time to Charter a New Bank

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Now is the Time to Charter a New Bank
The banking industry is in need of new community banks. At the beginning of 2010, there were 8,021 active banking charters across the United States. As of early May 2018, there were 5,585 active banking charters. That is a reduction of nearly 2,500 banking charters through acquisition, failure, or charter ...
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Community Bank Acquisition Due Diligence

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Community Bank Acquisition Due Diligence
The community bank mergers and acquisitions market is currently very active. While this has been the case for the past few years, the industry as a whole is in a much different place today than it was five years ago. During and coming out of the recession, much of the ...
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