In this quarterly report, The Daily Transcript takes a look at various issues regarding the state of our local economy, stock market conditions, banking issues and financial undertakings.

  • Credit card companies increase minimum payments

    Government pressure on credit card companies has forced some of the major players to raise minimum payments from the existing required 2 percent of the outstanding balance to 4 percent. MBNA, Citibank and Bank of America have all announced the increase, and given that industry history seems to demonstrate creditors follow each other's leads, it's a safe bet others will follow suit shortly. Bank of America just purchased MBNA's credit card portfolio, making them the largest credit card issuer in the United States.

  • Siciliano keeps 1st Pacific's aim squarely on the business sector

    1st Pacific Bank has come a long way since Vincent Siciliano was persuaded to take on the CEO position on a then temporary basis.

  • Entrepreneurial spirit, premium service mark the growth of Accredited Home Lenders

    Sub-prime lending is not the glamorous end of banking, but it is one in which James Konrath, CEO of Accredited Home Lenders (NYSE: LEND), has been extraordinarily successful.

  • Community Bancorp targets North County, Inland Empire for growth

    North County and the Inland Empire are set to be the growth hubs of San Diego County, if Michael Perdue's enthusiasm is any guide.

  • Morales strategy is no secret: It's all about relationships

    Ambitious, successful bankers -- and their employers -- have been given something to think about with the emergence of Vineyard Bank. The rapidly expanding Riverside and Inland Empire bank is starting to turn its attention south and west to San Diego.

  • Financial characteristics of banks affected by Katrina

    After Hurricane Katrina struck the Gulf Coast on Aug. 29, 2005, the Federal Emergency Management Agency (FEMA) designated 49 counties and parishes in Louisiana, Mississippi, and Alabama as eligible for both individual and public assistance.

  • San Diego outlook for '06: 'Cool but no crash'

    One thing you don't have to tell the people who live in San Diego County is that the place they call home is unique in many ways.

  • Credit unions gaining popularity, presence

    For decades, credit unions have been working efficiently and effectively for their members in the long shadows cast by banks that are typically much larger and financially more powerful.

  • Lessons of '05: Prepare financially for emergencies

    As we start the New Year, I want to reflect on last year's events and look forward to this year's potential. In many ways last year was a tough one. The battle in Iraq continued unabated, energy prices soared, hurricanes devastated the Gulf coast, some prominent companies went bankrupt and the Federal Reserve raised short-term interest rates eight times from 2.25 percent to 4.25 percent over the year. Despite all this, the U.S. economy maintained a solid pace. Let's take a look at some 2005 statistics:

  • Forecast is good for portfolios heavy on dividends

    Sometimes the simplest investment strategy is the most effective. For the third consecutive year, a conservative portfolio of dividend-paying stocks in 2005 outperformed more traditional growth stocks.

  • In '05 fund tables, Latin America is the hot spot

    Dec. 30 (Bloomberg) -- What's faster than a speeding energy stock? More powerful than a real estate investment trust? Able to outleap all other categories of mutual funds in a single year?

  • ETF providers see nothing but expansion as once-quirky product moves into mainstream

    NEW YORK -- It was another year of growth for exchange traded funds, as the number of offerings and asset levels swelled even further in 2005. In terms of dollars, ETFs still make up only a fraction of the overall mutual fund market, but these products are rapidly moving into the mainstream as more investors discover them.

  • Shares of homebuilders slide on gloomy UCLA Anderson forecast

    NEW YORK (AP) -- Homebuilding stocks stumbled last week following an academic report containing a bearish outlook for the housing sector offered the latest sign of a slowdown in the nation's housing boom.

  • IPO drought leading VCs abroad

    PALO ALTO, Calif. -- The U.S. market for venture-backed IPOs is in the dumps, and Charles Lax is more than a little impatient.

National News

Archived Reports

Banking & Finance Quarterly - Summer 2015

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - Spring 2015

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - 2015

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - Fall 2014

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - Summer 2014

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - Spring 2014

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - Winter 2014

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - October 2013

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - Summer 2013

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - April 2013

This quarterly edition of Banking & Finance focuses on the latest in taxes and investments, as well as the financial impact of sequestration.