S&P 500 Fallimenti banche USA (1 Viewer)

generali1984

Forumer storico
la 69 deve essere una maiala di banca ! :D

loro come al solito si stanno mettendo avanti con il lavoro
noi lo faremo tutto dopo l'ammazzacaffè
 

f4f

翠鸟科
la 69 deve essere una maiala di banca ! :D

loro come al solito si stanno mettendo avanti con il lavoro
noi lo faremo tutto dopo l'ammazzacaffè


dopo l'ammazzacaffè, c'è il conto
lo prevedo salato :rolleyes:

la probab di una patrimoniale, ad adesso per me , è raddoppiata
dal 2% al 4% :wall:

:D:D scherSavo
 

gipa69

collegio dei patafisici
Bank failure Friday
bank failures
Ameris Bank, the acquiring institution of the night’s first failure, has now gone to the well three times. The company’s share price hit a low of $5.05 on Thursday 11/5/06, the day before it made its second FDIC-assisted transaction. Since then, the stock has more than doubled to $10.89. This is good business, acquiring busted banks!
(Though Sheila Bair has said FDIC is getting better deals of late…)
#69
–Failed bank: Satilla Community Bank, Saint Marys GA
–Regulator: Georgia Department of Banking and Finance
–Acquiring bank: Ameris Bank, Moultrie GA
–Vitals: assets of $135.7 million, deposits of $134.0 million
–Transaction: Loss share on $101.0 million of assets
–Estimated DIF damage: $31.3 million
#70
–Failed bank: New Liberty Bank, Plymouth MI
–Regulator: Michigan Office of Financial and Insurance Regulation
–Acquiring bank: Bank of Ann Arbor, Ann Arbor MI
–Vitals: assets of $109.1 million, deposits of $101.8 million
–Transaction: Loss share on $95.2 million of assets
–Estimated DIF damage: $25.0 million
#71
–Failed bank: Southwest Community Bank, Springfield MO
–Regulator: Missouri Division of Finance
–Acquiring bank: Simmons First National Bank, Pine Bluff AR
–Vitals: assets of $96.6 million, deposits of $102.5 million
–Transaction: Loss share on $66.8 million of assets
–Estimated DIF damage: $29.0 million
#72
–Failed bank: Midwest Bank and Trust Company, Elmwood Park IL
–Regulator: Illinois Dept of Financial Professional Regulation
–Acquiring bank: Firstmerit Bank, National Association, Akron OH
–Vitals: assets of $3.17 billion, deposits of $2.42 billion
–Transaction: Loss share on $2.27 billion of assets
–Estimated DIF damage: $216.4 million
 

gipa69

collegio dei patafisici
Just one small bank shuttered tonight.
#73
–Failed bank: Pinehurst Bank, St. Paul MN
–Acquiring bank: Coulee Bank, La Crosse WI
–Vitals: assets of $61.2 million, deposits of $58.3 million
–Estimated DIF damage: $6.0 million
As a reminder, FDIC still has $63 billion of cash on the balance sheet despite the fact that it showed a negative balance of $20.7 million at the end of Q1.
How’s that? Assets = Liabilities + Equity.
Cash assessments collected from banks are assets on the left side of the balance sheet, but how they’re accounted for on the right side can be complex. Normally FDIC counts these as its own capital, as equity, also called the DIF’s “balance.” But because these were regular assessments collected up front, they’re counted as deferred revenue — a liability — instead of as equity.
So FDIC has more than enough cash raised from banks to pay for bank failures on its radar. The issue is banks that aren’t on its radar, i.e. the TBTFers. Those guys have raised a fair amount of capital, but if any one goes down, it would quickly overwhelm the DIF, forcing FDIC to borrow from Treasury.
TEACHABLE MOMENT…
For those that don’t understand deferred revenue, it’s a simple accounting idea that’s important to master because it’s the key to finding the best investments, the kind that made Warren Buffett rich.
In a nutshell, deferred revenue is revenue that’s been received, but not yet earned. For example, a newspaper business might charge for a yearly subscription up front, but it has to deliver the product over the following 12 months.
The idea behind your basic income statement is to match revenue with expenses incurred to generate it. So if I get paid up front to deliver 12 months worth of newspapers, then I recognize the revenue over 12 months even though I got all the cash on day 1.
On the asset side of the balance sheet, cash is cash. But on the right side, instead of as equity, it’s counted as deferred revenue, a liability I have to work down by delivering my product over the specified period of the contract with my customer.
So why is having lots of deferred revenue the characteristic of a good business? It reduces risk. Wouldn’t you rather get paid up front to deliver a product or service than to put all the work in first? For instance, retailers have to invest in inventory to stock their shelves for the Xmas season. But maybe the retailer screws up, stocking his shelves with tickle-me-Elmos and slap bracelets when kids today are looking for a Blu-Ray PS3 or the latest Justin Bieber album. Retailers can quickly go out of business this way, investing in inventory that doesn’t sell.
There’s also the problem of receivables collection. Powerful customers can demand I deliver my product today, and then not pay me for 30 to 90 days. Sometimes, they may not pay me at all and I have to write off what they owe me as uncollectable.
These risks are removed if the equation is flipped and I get paid before I deliver my product.
Warren Buffett’s path to riches was paved by the ultimate deferred revenue business: insurance. He gets paid premiums up front and only incurs expenses as claims are filed. In the meantime, he gets to hold on to the premiums (called “the float”), which he can invest in the stock market. And if no claims are filed, then he gets to keep the cash collected. Pretty cool.
So, when looking to invest, always pay attention to how cash flows into and out of a business.
In particular, calculate “capital employed” on the balance sheet. There are a few different ways to do it, but the way I was taught:
Capital employed = (receivables + inventories + prepaid assets + net fixed assets) – (accounts payable + accrued expenses + deferred revenue)
If this figure is consistently negative over time, it’s a sign of a good business
 

gipa69

collegio dei patafisici
Happy long weekend everyone!
#74
–Failed bank: Bank of Florida – Southeast
–Acquiring bank: EverBank, Jacksonville FL
–Vitals: assets of $595.3 million, deposits of $531.7 million
–Estimated DIF damage:$71.4 million
#75
–Failed bank: Bank of Florida – Southwest
–Acquiring bank: EverBank, Jacksonville FL
–Vitals: assets of $640.9 million and deposits of $559.9
–Estimated DIF damage: $91.3 million
#76
–Failed bank: Bank of Florida – Tampa Bay
–Acquiring bank: EverBank, Jacksonville FL
–Vitals: assets of $245.2 million and deposits of $224.0 million
–Estimated DIF damage: $40.3 million
#77
–Failed bank: Granite Community Bank, N.A., Granite Bay CA
–Acquiring bank: Tri Counties Bank, Chico CA
–Vitals: assets of $102.9 million and deposits of $94.2 million
–Estimated DIF damage: $17.3 million
#78
–Failed bank: Sun West Bank, Las Vegas NV
–Acquiring bank: City National Bank, Los Angeles CA
–Vitals: assets of $360.7 million and deposits of $353.9 million
–Estimated DIF damage: $96.7 million
 

Zen lento

Forumer attivo
dopo l'ammazzacaffè, c'è il conto
lo prevedo salato :rolleyes:

la probab di una patrimoniale, ad adesso per me , è raddoppiata
dal 2% al 4% :wall:

:D:D scherSavo


Come darti torto ?

E' l'unica entrata certa in questo paese. Una blanda è già stata fatta con lo scudo (cosa vergognosa l'aliquota).

Adesso se ci riescono regolarizzano gli accatastamenti, poi giù mazzate, da far rimpiagere a tutti il Visco :D
 

gipa69

collegio dei patafisici
Three failures tonight…including one in Nebraska with assets/deposits over $2 bilsky.
#79
—Failed bank: First National Bank, Rosedale MS
—Acquiring bank: The Jefferson Bank, Fayette MS
—Vitals: assets of $60.4 million deposits of $63.5 million
—Estimated DIF damage: $12.6 million
#80
—Failed bank: Arcola Homestead Savings Bank, Arcola IL
—Acquiring bank: None. Insured deposits paid out.
—Vitals: assets of $17.0 million deposits of $18.1 million
—Estimated DIF damage: $3.2 million
#81
—Failed bank: TierOne Bank, Lincoln NE
—Acquiring bank: Great Western Bank, Sioux Falls SD
—Vitals: assets of $2.8 billion deposits of $2.2 billion
—Estimated DIF damage: $297.8 million
 

gipa69

collegio dei patafisici
Bank failure Friday


#84
—Failed bank: Peninsula Bank, Englewood FL
—Acquiring bank: Premier American Bank, Miami FL
—Vitals: assets of $644.3 million, deposits of $580.1 million
—Estimated DIF damage: $194.8 million
#85
—Failed bank: First National Bank, Savannah GA
—Acquiring bank: The Savannah Bank, National Association, Savannah GA
—Vitals: assets of $252.5 million, deposits of $231.9 million
—Estimated DIF damage: $68.9 million
#86
—Failed bank: High Desert State Bank, Albuquerque NM
—Acquiring bank: First American Bank, Artesia NM
—Vitals: assets of $80.3 million, deposits of $81.0 million
—Estimated DIF damage: $20.9 million
 

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