bmoreland's blog

Nonperforming Loans climbed $5.23 Billion over Q3 - the first increase after 6 straight quarters of declines.

Looking at Bank of Hawaii's Asset mix the past 3 years one gains the impression that BOH would prefer to buy and sell securities rather than lend to consumers and businesses.

Low interest rates cost savers billions and quietly provide a stealth bailout to banks.

There is a lot to like about the 10th largest bank in Texas, but concerns about their Commercial RE portfolio are increasing. Nonperforming loans increased dramatically and early stage delinquencies have risen as well.

Flagstar is the nation's 65th largest bank and without yet another recent capital raise would probably be gone. In truth, there is little Good and a whole lot of Ugly.

Regions Bank looks fairly weak with a negative Net Operating Income figure in 5 of the last 6 quarters. That said, they do have some good things going for them.

Quick Quiz: Of the following 3, which states' banks are in the most trouble? Arizona, Michigan or Washington? Believe it or not - Washington.

This week's "The Good, The Bad & The Ugly" from BankRegData.com reviews Fifth Third Bancorp. The Good is that Nonperforming Loans are coming down, The Ugly is their reliance on Loan Sales to prop up Net Operating Income.

A review of the 1st Quarter 2010 FDIC bank data reveals an ever increasing amount of nonperforming loans for 1-4 Family First Liens. Banks are sitting on $185 Billion in loans that are either 90+ Days Past Due or on Nonaccrual.

Either JPMorgan Chase is honorably managed or incredibly stupid. A review of the top 4 banks use of Nonaccrual on their GNMA loans reveals JPM standing apart in their "strategic" use of Nonaccrual.

A review of Bank of America's 4th Quarter Call Reports reveals obvious shift of Delinquency Liability to Taxpayers.

The 4th Quarter FDIC Bank Data has been updated at www.wlmlab.com. Each quarter I eagerly anticipate the numbers and keep thinking "it can't possibly be worse than last quarter, can it?" Well, never fear, it can. First off, the total amount of loans outstanding at U.S. Regulated Depository Banks has fallen to $7.296 Trillion from $7.425 at the end of Q3 2008.

1-4 Family First Lien portfolios for the Top 4 lenders deteriorate in the 3rd Quarter. Early Stage delinquencies climb noticeably.

A review of the 3rd Quarter FDIC Regulatory data reveals a disturbing counter trend to the recent drop in early stage delinquencies. Across almost all loan portfolios, the 3rd Quarter delinquency number is higher than the Q2 figures.

Bank of America has just over $8 billion in 90+ days past due compared to a little over $14 billion in Non-Accrual. So for every $1.00 they have on Non-Accrual they have $0.57 in potentially near-term charge offs. Naturally, not every...