By Matthew Maggi
I love the mountains. Hiking, taking photos of the majestic peaks, being a part of nature makes me feel like I am a part of something larger than myself. Although I may be small in comparison to the mountain, I do not feel insignificant. Living in a city provides me with a similar feeling: I am a part of a larger community and have a role to play. When choosing fixed-income investments, each bond should have a purpose in helping you achieve your desired investment strategy: playing a role in the larger community of investments.
For future expansion, the average replacement margin must be positive.
By Michael Langemeier
Repayment capacity measures include capital debt repayment capacity, capital debt repayment margin, replacement margin, term debt and capital lease coverage ratio, and replacement coverage ratio (Farm Financial Standards Council). These items address a farm’s ability to repay operating loans and to cover the current portion of principal and interest due on noncurrent loans such as a machinery, building or land loan.
Behind the scenes at one of the nation’s fastest-growing banks.
By Dennis Wang
TriState Capital Bank was already one of the fastest-growing banks in the U.S. when, in 2016, it decided to refresh its commercial deposit line of business. As the organization neared its 10-year anniversary, its leaders were confident its treasury management deposit growth was only a fraction of what it could be. Their instinct was right. Now, three years after the bank shifted gears and implemented a new strategy to drive lower-cost commercial deposits, its enhanced treasury management business is a significant contributor to TriState Capital Bank’s phenomenal growth, with over $5.9 billion in assets and counting.
Moody’s Investors Service has released its quarterly report on the state of U.S. consumer loans — auto, mortgages, credit cards — and their performances for the largest U.S. retail banks.
More than 9,850 bankers hosted financial education events across the country in celebration of Teach Children to Save day this year. Since 1997, the American Bankers Association Foundation’s financial education initiatives have reached 10.5 million young people with the help of more than 260,000 banker volunteers.