This quarterly report explores local banking issues and the stock market, retail and real estate conditions that affect the regional economy.

  • A trusted partner can help businesses get through challenging times

    No matter what industry you are in, or what size your business, you undoubtedly have some concerns about today's economic climate. While there is still widespread debate about whether the San Diego region will fall into a recession, the difficult state of the housing market and slowly rising unemployment rates have given many businesses reason for pause. These challenges notwithstanding, well-managed companies find ways to not only survive, but to prosper, under these conditions. For many of these businesses, the partnerships they establish with their vendors and trusted advisers -- including their banker -- is the foundation that allows them to tackle economic hurdles head-on.

  • Banks, credit unions experience record losses, forced to layoff thousands

    The subprime mortgage crisis, which has swept the country affecting homeowners everywhere, has now started to take its toll on financial institutions nationwide, causing large-scale layoffs and record losses. Major banking corporations such as Washington Mutual (NYSE: WM), Countrywide (NYSE: CFC), Bank of America (NYSE: BAC), Wachovia (NYSE: WB) and Citigroup (NYSE: C) have been forced to lay off thousands of workers to compensate for several billion dollars of mortgage losses. Overall, companies in the banking and mortgage industries have cut more than 100,000 jobs this year.

  • Local experts discuss what to expect in coming year

    In a series of roundtable discussions hosted by The Daily Transcript, local industry experts in construction, real estate, employment, law and finance talked about the outlook for the coming year.

  • Retailers sink into the doldrums

    The retail industry appears to be skidding toward its first big wreck in 17 years.

  • Banks' scramble for deposits hurts profits

    Even as the credit crunch and weak housing market cause problems for the nation's banks, there is another goblin lurking in the wings: The basic business of collecting deposits and lending money is becoming less profitable.

  • Bad math could equal financial woes

    Maybe we're just lousy at math.

  • Prime time: The new boom in refinancing

    Another mortgage-refinancing boom is under way. But this time around, many homeowners will be watching from the sidelines.

  • San Diego housing inventories provide opportunities for buyers

    With real estate inventories increasing and mortgage rates at near-historic lows, San Diego has become a buyer's market for many. And for those considering taking the steps toward homeownership, or wanting to help their kids get into their first home, this could be the opportune time to grab hold of a true bargain.

  • Dealing with pesky debt collectors

    If the holidays have put you into a pit of credit card debt, those annoying debt collectors will undoubtedly be calling. But you no longer have to worry about empty threats; instead, you can focus on how to handle the collectors and work with them to avoid stress and to get past your debt problems. Believe it or not, there are ways to get rid of aggravating debt collectors so you can go back to living a normal life and not be constantly reminded of the debt you accrued from last year's holiday shopping extravagances.

  • Employee Stock Ownership Plans provide tax-advantaged benefits for business owners.

    ESOPs (Employee Stock Ownership Plans) are tax-qualified employee benefit plans that double as tax-favored financing vehicles. The owner can sell all or part of his shares for a fair market price to the employees through an ESOP.

  • Incentive stock options and the tax advantage you might be missing

    As the New Year begins, we all inevitably start filing taxes. And often times we start to think of the many tax advantages missed over the last 12 months. Each year, countless executives and other holders of Incentive Stock Options are guilty of bypassing the small steps when exercising ISOs that can provide significant tax advantages; especially when compared with the tax incurred on the alternative, Nonqualified Stock Options (NQs).

Banking & Finance Quarterly

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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.