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The Motley Fool July 14, 2005 Stephen D. Simpson	The Business of Commerce Commerce Bancorp is a growth leader in banking, but expenses and returns will matter eventually. For now, this is an aggressive and sometimes controversial growth story.
OCC Bulletin July 3, 2006	Prohibition Against Interstate Deposit Production Description: Annual Loan-to-Deposit Ratios An updated host-state loan-to- deposit ratios that banking agencies will use to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (Interstate Act) is now available.
OCC Bulletin September 2, 2004	Prohibition Against Interstate Deposit Production Recently updated host-state loan-to-deposit ratios that will be use to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
OCC Bulletin July 22, 2002	Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation recently issued updated host-state loan-to- deposit ratios that the banking agencies will use to determine compliance with section 109 of the Interstate Act.
OCC Bulletin June 28, 2001	Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation recently issued updated host state loan-to-deposit ratios that the banking agencies will use to determine compliance...
OCC Bulletin May 22, 2003	Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the FDIC recently issued updated host-state loan-to-deposit ratios used to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994.
Bank Systems & Technology January 8, 2008 Bart Narter	Increased Investment in Deposit-Gathering Initiatives in 2009, Predicts Celent In terms of what is happening in the banking industry and IT spending, Celent sees both huge changes and many things remaining constant throughout the crisis.
The Motley Fool December 14, 2006 John Finneran	Bank Efficiency: Measure With Care Here are some factors investors need to consider when measuring an efficiency ratio for bank productivity.
The Motley Fool May 21, 2009 Matt Koppenheffer	Should Your Bank Deposits Be at Risk? Is the FDIC's guarantee of bank deposits a benefit to the system?
The Motley Fool October 17, 2005 Stephen D. Simpson	Commerce Bancorp Confounds This bank is clearly committed to doing business differently, and that's a definite case of good news, bad news for investors.
Bank Systems & Technology May 31, 2004 Cynthia Ramsaran	Check Imaging at ATMs Attracts Users A decline in ATM deposits has banks using new technology.
The Motley Fool July 19, 2005 Stephen D. Simpson	Wachovia Gets the Edge -- Again Solid growth, improving efficiency, and a reasonable valuation may spell opportunity.
Bank Technology News March 2011 John Adams	Distinction Against Tough Odds Research and analysis sounds an alarm for smaller banks, and it's up to other community banks to join the ranks of United Community, Kirkpatrick and Alpine in embracing IT creativity to level the playing field with larger institutions.
The Motley Fool March 13, 2006 Stephen D. Simpson	Capital One Opens Up Its Wallet Buying North Fork Bank brings Capital One a well-run source of low-cost funds. It's always dangerous to extrapolate big trends from a single deal, but one wonders if this is the beginning of the long-awaited consolidation in the banking industry. Investors, take note.
The Motley Fool April 12, 2006 Stephen D. Simpson	Commerce Still Builds for the Future Will rapid loan and deposit growth at the bank ultimately mean prosperity for shareholders?
Bank Systems & Technology January 8, 2009 Christine Barry	Banks Must Take Advantage of Opportunities Where They Find Them Lenders and borrowers have felt the effects as the subprime crisis has evolved into a credit crisis. The result has been strategy changes for many banks, and a greater emphasis than ever before on growing deposits.
FDIC FYI March 13, 2002	Banks and Thrifts Post Record Earnings, Insurance Funds Slide Full-year 2001 financial data for all FDIC-insured institutions, released today in the Quarterly Banking Profile, depict record bank and thrift earnings even as the reserve ratios of the FDIC insurance funds continue to slide...
The Motley Fool April 21, 2006 Stephen D. Simpson	Small Banks Need Love, Too: United Community Banks This tiny bank is growing through quality customer service. There aren't an abundance of growth stories in the banking world, it's not surprising that these shares are a bit expensive.
The Motley Fool April 26, 2006 Joseph Khattab	Hanmi Almost Delivers Korea's Hanmi Financial's first-quarter results were strong enough for a 5% jump in stock price today, but investors may still be hesitant to jump on the bandwagon.
The Motley Fool January 17, 2007 Nathan Parmelee	Keep an Eye on Commerce Commerce Bank is swirling in uncertainty, but its prospects for continued deposit growth are worth investors' attention.
CRM September 8, 2015 Dan Moultrie	Financial Institutions Should Bank on Knowing Their Customers Finding out what customers want, and how they prefer to interact, is to key to profitability.
U.S. Banker October 2008 John Engen	Got Deposits? The implications of the present shakeout won't be fully understood for years, but it seems clear that the competition for deposits will be more intense in the years ahead.
FDIC FYI June 12, 2002	Better Deposit Data Show BIF Below Target in First Quarter Estimated insured deposits of the Bank Insurance Fund (BIF) increased by $75 billion during the first quarter. The increase is noteworthy because it caused the ratio of the BIF to insured deposits to decline to 1.24 percent, below the 1.25-percent Designated Reserve Ratio target.
The Motley Fool April 15, 2005 Stephen D. Simpson	Fifth Third Looks to Start Anew The super-regional bank Fifth Third has a great history of growth, but lost market share in 2005. Investors should expect the bank to slowly regain its market share.
FDIC FYI October 20, 2004	Branching Continues to Thrive as the U.S. Banking System Consolidates Despite consolidation, branches remain a valuable resource in helping banks generate fee income and possibly better manage their overhead expenses.
Bank Technology News August 2007 John Adams	ATMs: Pushing the Envelope, Straight into the Dustbin Wells Fargo and Bank of America are among the banks slowly deploying technology that allows for envelope-free cash deposits, a move that could shorten lines at branches.
The Motley Fool July 18, 2006 Stephen D. Simpson	M&T Bank Waits for Help While one can appreciate the virtues of M&T as a well-run bank and a less volatile investment option, it's not a particularly striking value today.
U.S. Banker January 2006 John Engen	Fabulous on the Fundamentals The first three quarters of 2005 were the most profitable in banking history, with record earnings of $102 billion. But already in 2006, analysts see signs of change in the overall approach bankers take to the business.
OCC Bulletin September 28, 1999	Risk-Based Capital: Joint Statement As part of their efforts to foster readiness for year 2000, the Federal banking agencies have issued guidance to banking organizations calling for the development of contingency plans to address funding, liquidity, and other issues.
The Motley Fool November 4, 2010 Jason Moser	One of These Banks Is Worth Watching Searching for the best of the battered bank sector.
The Motley Fool January 17, 2007 Emil Lee	US Bancorp Fights Off Headwinds Despite a tough environment, the bank reports decent results. Investors, take note.
Bank Systems & Technology January 8, 2009 Jeanne Capachin	Institutions With Capital May Find Vendors in the Mood to Deal For institutions that remain well-capitalized, the best advice is to move full steam ahead. If the need is real and solutions are available, this will be the best time to move ahead with a strategic investment.
The Motley Fool July 26, 2007 Emil Lee	6 Keys to Bottom-Fishing for Banks A tip sheet for buying banks on the cheap: 1. Low price-to-book multiple... 2. Small deposit premiums/high deposit quality... etc.
Bank Systems & Technology December 3, 2008 Maria Bruno-Britz	Goldman Could Roll Out Direct Bank The former investment bank/now commercial bank would likely seek to increase its deposit base by offering a variety of savings products, such as certificates of deposits, online.
FDIC FYI May 18, 2004	An Update on Emerging Issues in Banking Trends in Community Banking... The Declining Number of U.S. Banking Organizations: Will the Trend Continue?... Community Banks: Their Recent Past, Current Performance, and Future Prospects...
The Motley Fool January 23, 2006 Stephen D. Simpson	Bank of America Not So Beautiful Higher bankruptcies and lower trading were the proffered excuses, but investors need to watch the low deposit growth and net interest margin.
The Motley Fool April 20, 2007 Emil Lee	Bank of America Doesn't Impress The banking giant notches an average quarter. Investors, take note.
Bank Systems & Technology January 8, 2009 Katherine Burger	2009 Bank Tech Outlook Perspectives: Reevaluating the Future Industry analysts and research firms in the business of making forecasts about financial technology trends have faced some unusual challenges in this year of industry transformation.
U.S. Banker June 2011 Dan Geller	Bank Deposits: An Economic Ballot Box Never before in the history of U.S. banking has such a large amount of money been held in liquid accounts.
The Motley Fool August 31, 2005 Stephen D. Simpson	A Closer Look at Bank Stocks These investors must deal with unusual terms and funny-looking financial statements, but the rewards can be well worth it.
U.S. Banker February 2009 Anthony Malakian	Community Banks Paying for Bigger Brothers' Sins Community bankers have many reasons to be pessimistic about 2009, including the added pressure of the Federal Deposit Insurance Corporation raising the risk-based assessment rates in order to restore the Deposit Insurance Fund.
FDIC FYI July 9, 2004	Bank Branching Trends and Prospects of Key Banking Sectors A summary of three reports released today that represent the fourth installment of the Federal Deposit Insurance Corporation's Future of Banking Study.
The Motley Fool November 3, 2011 Morgan Housel	How Successful Will Bank Transfer Day Be? Consumers might switch to credit unions where they get better service and lower fees, and for-profit banks might stem some of the rampant deposit growth and unprofitable customers that have been crimping profits. If only more protests could work this well.
Bank Technology News December 2010 Rebecca Sausner	Consumers 'Get' Remote Capture What sets remote deposit capture apart from other new bank technologies is that consumers seem to intuitively grasp how valuable it is, even before they've adopted it.
Bank Systems & Technology June 2, 2007 Maria Bruno-Britz	Acquisition Obsession Results In Bank Deposit Growth Deposits have been dropping off at U.S. banks for years. And according to a recent study, there is no one technology or formula that banks can follow to reverse the trend.
U.S. Banker March 2009 Eisen & Gage	Community Bank Capital an Investor's Sanctuary Nearly all publicly traded financial services companies have seen their stocks pummeled in the last year, but a case could be made that many community banks are being unfairly punished.
U.S. Banker August 2010 Podrebarac & Ortiz	Getting Back to Growth by Managing Costs Banks must pull costs out of areas that are not central to their mission and put the savings into capabilities that customers care about.
The Motley Fool April 17, 2006 Stephen D. Simpson	Not Quite Wacky for Wachovia Wachovia is a well-run and growing financial institution. It's just not the cheapest option out there for investors.
U.S. Banker February 2009 Michael Sisk	Capital Reservation The financial industry is in for a major regulatory overhaul, and one area that's getting lots of attention is capital ratios.
Bank Systems & Technology January 8, 2009 Virginia Garcia	Firms Should Not Let Short Term Demands Cripple Long Term IT Strategy While financial services IT spending on new technology initiatives is delayed, many institutions are likely to build strategic plans for IT transformation, understanding the limitations of their present IT structures.