Throughout the year, The Transcript examines issues affecting local banks, the economy, stock market conditions and financial undertakings.

 

  • Sustainable investing: Making money while supporting the environment

    When consumers make decisions about what products and services to use, they increasingly consider the environment. "Going Green" is shaping up to be one of the major themes of 2007.

  • Small-business banking: The North Island Credit Union solution

    Small businesses, many of which face high costs and inaccessible service from other financial institutions, need the type of member-focused flexible services that credit unions specialize in offering. Small businesses are extremely dependent on branches, and they demand flexible and extended hours of operation as well as higher levels of responsiveness and support from branch staff. These are areas in which credit unions excel.

  • More consumers turning to credit unions for mortgage lending

    The recent news about subprime mortgage lending has left some mortgage shoppers confused when navigating today's real estate loan market.

  • Investors stock up on safe picks

    The housing downturn, credit crunch, gloomy employment data and a parade of maudlin financial forecasts have been enough to send some investors scrambling for bubble gum and beer.

  • Chiefs who bucked early spending have upper hand

    All those corporate executives who were apologizing a few months back for having built up their cash reserves suddenly are the best positioned to survive the current credit crunch and to take advantage of potentially falling prices for deals.

  • How economy could survive oil at $100 a barrel

    The world economy has managed, with some indigestion, to swallow the rise of oil prices past $80 a barrel. How well could it survive $100 a barrel?

  • How well does your banker understand your business?

    San Diego's business environment is a community composed of small businesses. We lack for large, multimillion-dollar company corporate headquarters, unlike cities such as Los Angeles, New York, Dallas or even Cleveland. Our businesses, while diverse in nature, generally fall below $50 million in sales volume, with a large number in the $5 million to $20 million range.

  • Powell Construction Consultants at your service

    Powell Construction Consultants Inc. is a full-service consulting firm specializing in the legal and banking industries. Principal Jeffrey P. Powell has been a California licensed contractor for more than 29 years.

  • Reverse mortgages safe from today's mortgage troubles

    Senior adults looking forward to a reverse mortgage to secure their retirement are finding that reverse mortgages are unaffected by the troubles now plaguing traditional mortgages.

  • Zero percent finance loans -- risk or reward?

    Americans fall into debt crisis for many reasons: loss of job, taxes, divorce or death of a spouse, a spouse's poor spending habits or simply overspending, but medical bills are one of the leading culprits.

  • Branchless banking changes financial services landscape for local businesses

    The role of the traditional bank branch has diminished. Ubiquitous broadband and decreased check usage have sealed the fate of the brick-and-mortar-only operation.

  • Is financial literacy education the answer to today's foreclosure crisis?

    The New York Times recently ran an article ("Loan by Loan, the Making of a Credit Squeeze" by Steve Lohr, Aug. 19) which tells the tales of three families who have fallen victim to overwhelming credit card debt, bankruptcy and even foreclosure due to forecasted promises by their lenders during the housing boom. Across the country this scenario is the same for many first-time homebuyers who are now losing more than just their houses -- they are losing faith in the American dream and trust in our banks and mortgage lenders.

  • The rising tide of activist shareholder campaigns

    Activism can be very rewarding for shareholders in today's investment climate, and boards and management teams of public companies need to recognize that fact or potentially lose control of their companies.

  • Wall Street conduits, life insurance companies and lending agencies reassess credit market

    The past year has been one of the most aggressive markets for underwriting and pricing of commercial mortgage-backed securities in several decades. Questionable practices and an unprecedented amount of liquidity in the marketplace available for investment pushed commercial real estate lending to new highs over the first two quarters as increased leverage and lower yields stimulated the investment market.

  • Fractional ownership offers shared sense of wealth

    A couple of years ago, a group of girlfriends from California made national headlines when they decided to buy and share a $37,000 diamond necklace set with 118 diamonds and a total weight of 16.25 carats. Because no one woman could afford the necklace on her own, the women agreed to share ownership, each taking possession and wearing the necklace for four weeks per year.

  • How to develop personalized investment programs in today's competitive marketplace

    Today's high net worth investors are more sophisticated than ever before. They keep up on industry trends and they want access to the best investment options available. To compete in this marketplace, banks are offering their clients a wide array of investment choices, including non- branded products and external money managers, no longer limited to proprietary solutions.

  • Little loans help pull women out of poverty

    Olga Castro was a single mom recovering from a car accident when she learned she had breast cancer.

Banking & Finance Quarterly

Profiles

National News

  • Investors stock up on safe picks

    The housing downturn, credit crunch, gloomy employment data and a parade of maudlin financial forecasts have been enough to send some investors scrambling for bubble gum and beer.

  • Chiefs who bucked early spending have upper hand

    All those corporate executives who were apologizing a few months back for having built up their cash reserves suddenly are the best positioned to survive the current credit crunch and to take advantage of potentially falling prices for deals.

  • How economy could survive oil at $100 a barrel

    The world economy has managed, with some indigestion, to swallow the rise of oil prices past $80 a barrel. How well could it survive $100 a barrel?

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.