Private financing of consolidating loans canada

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While under-capitalized banks are frozen, “zombies” in the parlance of our time, well-capitalized banks benefit from the government’s hand replacing Adam Smith’s.Industry consolidation is governed and the rules are strict.The age of the small local community bank serving one MSA is over.Community banks can’t compete anymore, so they are merging with each other and morphing into stronger regional institutions.The term "3-Sigma" in statistics means three standard deviations away from the mean, or in terms of confidence intervals, it means 99% confidence (99.7% to be exact).

private financing of consolidating loans canada-66

private financing of consolidating loans canada-74

On an EPS basis, core EPS is approaching

On an EPS basis, core EPS is approaching [[

On an EPS basis, core EPS is approaching $0.50 on a quarterly basis ($2 of EPS per year), which is again worth at least $25 per share. Cardinal Bank (CFNL) is also one of the most consistently profitable banks in the U. A huge 1.7% ROA in 2012 (16.7% ROE) is the inflated result of robust mortgage banking fees driven by gain on mortgage sales.

Specifically, we employ a metric called Efficiency Ratio (3).

Ironically, a 100% efficiency ratio means a bank is not being efficient.

On the surface, banks are nearly as profitable as they were before the financial system collapsed, while the number of banks continues to shrink. The singular reason why so many banks are still financially-distressed is the legacy loans trapped on their balance sheets, mismarked and unable to be sold without charging-off so much UPB (unpaid principal balance) that the equity of much of the banking system would be eviscerated.

A charter to operate a bank is now and becoming more valuable than ever because it is becoming rarer. A harbinger of massive consolidation, the banking industry is in the process of bifurcating.

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On an EPS basis, core EPS is approaching $0.50 on a quarterly basis ($2 of EPS per year), which is again worth at least $25 per share. Cardinal Bank (CFNL) is also one of the most consistently profitable banks in the U. A huge 1.7% ROA in 2012 (16.7% ROE) is the inflated result of robust mortgage banking fees driven by gain on mortgage sales.Specifically, we employ a metric called Efficiency Ratio (3).Ironically, a 100% efficiency ratio means a bank is not being efficient.On the surface, banks are nearly as profitable as they were before the financial system collapsed, while the number of banks continues to shrink. The singular reason why so many banks are still financially-distressed is the legacy loans trapped on their balance sheets, mismarked and unable to be sold without charging-off so much UPB (unpaid principal balance) that the equity of much of the banking system would be eviscerated.A charter to operate a bank is now and becoming more valuable than ever because it is becoming rarer. A harbinger of massive consolidation, the banking industry is in the process of bifurcating.

]].50 on a quarterly basis ( of EPS per year), which is again worth at least per share. Cardinal Bank (CFNL) is also one of the most consistently profitable banks in the U. A huge 1.7% ROA in 2012 (16.7% ROE) is the inflated result of robust mortgage banking fees driven by gain on mortgage sales.Specifically, we employ a metric called Efficiency Ratio (3).Ironically, a 100% efficiency ratio means a bank is not being efficient.On the surface, banks are nearly as profitable as they were before the financial system collapsed, while the number of banks continues to shrink. The singular reason why so many banks are still financially-distressed is the legacy loans trapped on their balance sheets, mismarked and unable to be sold without charging-off so much UPB (unpaid principal balance) that the equity of much of the banking system would be eviscerated.A charter to operate a bank is now and becoming more valuable than ever because it is becoming rarer. A harbinger of massive consolidation, the banking industry is in the process of bifurcating.

.50 on a quarterly basis ( of EPS per year), which is again worth at least per share. Cardinal Bank (CFNL) is also one of the most consistently profitable banks in the U. A huge 1.7% ROA in 2012 (16.7% ROE) is the inflated result of robust mortgage banking fees driven by gain on mortgage sales.Specifically, we employ a metric called Efficiency Ratio (3).Ironically, a 100% efficiency ratio means a bank is not being efficient.On the surface, banks are nearly as profitable as they were before the financial system collapsed, while the number of banks continues to shrink. The singular reason why so many banks are still financially-distressed is the legacy loans trapped on their balance sheets, mismarked and unable to be sold without charging-off so much UPB (unpaid principal balance) that the equity of much of the banking system would be eviscerated.A charter to operate a bank is now and becoming more valuable than ever because it is becoming rarer. A harbinger of massive consolidation, the banking industry is in the process of bifurcating.

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