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More overdue loans hit Lower Hudson Valley us airways employee loans banks | lohud.com | The Journal News Other editions: Mobile | News Feeds | E-Newsletters | Blogs | Podcasts Find it: Jobs | Cars | Real Estate | Apartments | Shopping | Classifieds | Grocery Coupons Sponsored by: Your browser’s security settings are preventing scam calls payday loans some features from refund anticipation loans appearing. See instructions for fixing the problem. More overdue loans hit Lower Hudson Valley banks By Jerry Gleeson The Journal News • August 25, 2008 Print this page E-mail this mini mac loans article Text Size: Normal

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| Large | Larger Share this article: Del.icio.us Facebook Digg Reddit Newsvine What’s this? Past-due and nonperforming loans are up at most of the banks headquartered in the Lower Hudson Valley, a reflection of a slowing economy and more trouble in the residential mortgage market. Six of the nine banks that are based regionally saw troubled loans increase as a percentage of their total loan portfolio, according to an analysis of quarterly reports that the banks must file with the Federal Deposit Insurance Corp. The increases occurred in the first quarter of 2008, year over year, the last quarter for which comparable reports for all nine banks were available. Two of the local banks saw a drop in their share of problem loans, and one bank was virtually flat. A 10th institution, which was sold at the start of this year, Union State Bank in Orangeburg, saw its share of troubled loans rise sharply in the fourth quarter of 2007, the last quarter for which statistics were available. The types of loans in trouble vary widely by bank, but run the gamut across the market - from commercial and industrial construction to mortgages for the purchase of houses and commercial properties. Some banks wrote off more loans, and some have increased the size of their loan-loss reserves to compensate for the tougher market they now find college student loans through banks themselves in. The problem loans included those whose payments were behind by 30 to 89 days, those whose payments were behind 90 or more days and those that had been judged as nonaccruals, or not performing at all. "I think it's just a sign of the times. The economy has gone down a bit," said Tim Sullivan, president and chief executive officer of Sunnyside Federal Savings and Loan Association of Irvington. "People are a little bit stressed. Very often they already have quite a bit of debt in their portfolio, and now they're trying to work it out. They might run a little bit past due," he said. "I think as we get toward the end of the year, things will start to pick up a bit." His optimism was not shared by Albert Annunziata, executive director of the Building and Realty Institute in Westchester. Builders are being whipsawed by higher costs for diesel and raw materials and by slowing demand that's driven, in part, by greater difficulty in obtaining credit, he said. Some builders have told him they think the market will turn around early next year, while others think the slowdown could run into 2010 or 2011. "This is far more severe" than earlier recessions he has seen, Annunziata said. "With the value of homes coming down, there's very little room to maneuver teacher home loans texas right onox loans alberta now." Overdue loans, in and of themselves, don't necessarily shake a bank's foundation, said David Barr, a spokesman for the FDIC. Regulators examine a range of metrics to determine an institution's health, including capital adequacy, the quality of all of the bank's assets, its management, profitability and liquidity, and how well the bank can plan for interest rate swings, Barr said. Banks that have poorly performing loans may still pass muster with regulators if they have strong profits and good reserves for loan losses and are well-capitalized - that is, if their assets greatly exceed their liabilities, Barr said. The two local banks with the dallas home loans highest percentages of troubled loans in their portfolios, Putnam County National Bank of Carmel and USA Bank in Port Chester, have signed deals with expatriate loans gulf banks regulators in recent years under which they agreed to a wide range of changes in the way they run their institutions. The former Union State Bank, which KeyCorp bought at the start of 2008, doubled the size of its loan-loss reserve in the fourth quarter of 2007 year over year, from $16 million to $31.9 million. Past-due and nonaccrual loans more than tripled in that period, to $35.5 million, out of a total loan portfolio of $1.56 billion. Michael Orsino, president of Key's Hudson Valley Metro District based at Union State's former headquarters in Orangeburg, declined to discuss the acquired bank's performance in its final quarter. But the region is not experiencing the same banking troubles as other areas in the country, he said. "Because we're so attached to New York City, it's still a pretty healthy market," he said. "But 203k loans with that being said, we're noticing a slowdown in real estate development, definitely low interest personal loans on the astrive student loans homebuilders' side right now as the consumer's pulling back, and even on the commercial side, but not as much. "I'm not saying it's as good as what it's been in the past, (but) we're still seeing transactions out there. People, depending on the sector that they're in, are looking to expand," Orsino said. The local district has hired 14 new mortgage salespeople to serve Westchester, Rockland and Orange counties, with the idea of being prepared when the market turns around sometime in late 2009 or 2010, he said. At Hudson Valley Bank in Yonkers, loans with no colateral the largest locally based bank in Westchester, delinquencies were flat year over year in the first quarter. "But we've had commerce bank boat loans some blips in the road, and we do a lot of lending. You'll see our lending number is way up the first half of the year," Chief Executive Officer James J. Landy said. In the construction field, buildings are taking longer to sell, but the loans are collateralized, he said. "We have to sit the thing out. We're going to get our money back, but it's going to take a little longer," he said. "There are a couple more banks that are having issues nationally. But if you stick to your basics and don't stretch outside of your standard criteria, you'll do well in good times and in bad." Reach Jerry Gleeson at jgleeson@lohud.com or 914-694-5026. In your voice Read reactions to this story Newest first Oldest first Add your comment (max {maxchars} characters) You must be logged

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in to leave a comment. Login | Register characters left {staffMark} {authorIcon} {authorHandle} wrote: {commentBody} {commentTimestamp} {commentBody} {authorNameHandle} {recommendLink} {newpostLink} {replylink} {reportAbuseLink} Report item as: (required) X Obscenity/vulgarity Hate speech Personal attack Advertising/Spam Copyright/Plagiarism Other Comment: (optional) Missing input fields. You must fill out the comment body in order to submit a comment. Comment too long. The comment you have entered is too long. Please limit your post to {maxchars} characters or less. Behind on the bills? If you're having trouble paying your bills on time, consider the following strategies: Budget. Have a plan that tracks how much revenue is coming in each month, and how much of that cash is going out. Track credit-card statements and checkbooks, and keep receipts for all other bills, including groceries, gas and anything else you buy with cash. It may take a few months to have a good sense of where the money is going. Negotiate with creditors. Many allow their collection departments to offer reduced payment plans and low interest rates. Caveat: Most plans run just six months to a year and are designed to keep your accounts current, not to get you out of debt. Work harder. If cutting your bills isn't cutting it, look into part-time jobs or volunteer for overtime. Tap friends or family. It's awkward, but they're more likely to reach a workable deal with you, and usually on better terms than you'll get from professional lenders. Throw a yard sale. It womens business loans or grants probably won't solve regulations online loans all your financial trouble, but it generates income. Source: www.goodpayer.com. LoHud.com Text Alerts Get breaking local news as it happens from LoHud.com. Enter your phone number below: »  Modify existing alerts »  4INFO | Get this tool   More Business headlines Report: Area workers earn 30 percent more than nation   Report: Unemployment-insurance system under strain   Business in the Burbs: Stony Point plant to close at end of year   Business people in the news   Finances worry retiree convention delegates   Latest headlines DATABASE: Update adds real estate sales from Westchester, Orange, Dutchess, Ulster   Cop: Not guilty in body-slam abuse case   Pedroia puts hurtin' on Yankees   Volpe commits to Towson for baseball   Former state Sen. Winikow, convicted of felony charges in utilities scandal, dies at 68   Partners: Jobs: CareerBuilder.com Cars: Cars.com Apartments: Apartments.com Shopping: ShopLocal.com Home | News | Sports | Entertainment | Life & Style | Hometowns | Multimedia | Opinion | Obituaries | Buy, Sell & Shop | Customer Service | Site Map Gannett New York network: Press & Sun-Bulletin, Binghamton | Star-Gazette, Elmira | The Ithaca Journal | Poughkeepsie Journal will bankruptcy discharge student loans | Rochester Democrat and Chronicle | WGRZ-TV, Buffalo Contact Us | About Us | Work for Us | Subscribe Copyright ©2007 The Journal News, a Gannett Co. Inc. newspaper serving Westchester, Rockland and Putnam counties in New York.
PUBLIC BANK FORECAST 24% LOANS GROWTH | My Sinchew News | Foreign | Business | Opinion | Cartoons | Media Monitor | Features | Life & Style | Family | Travel | Photo Story | loans for pool Merdeka | 中文 | PUBLIC BANK FORECAST 24% LOANS GROWTH Business  2008-08-23 23:45 PUBLIC BANK - the country's largest bank by market capitalisation, does not expect the rising cost of living to significantly va construction loans impact its loans growth or asset quality. It forecasts similar loans growth rate in the 2H-CY08 as the 12% experienced in 1HE Jun sheffield loans 2008, giving small quick loans an annualised 24% loans growth. At the same time, it expects to preserve asset qualitydue to pre-emptive measures including loan rescheduling government home loans for bad credit by lengthening ca units loans the repayment period and reducing some interest rates " .... on a case-by-case basis ....". MD - TAY AH LEK - addressing reporters on Jul 16, 2008 after the Bank's 1HE Jun 30, 2008 results said the bank had to date restructured 5,000 such loan accounts. In 2H-FY08, the pre-emptive measures would continue but a smaller number of such accounts was expected. For 2QE Jun 30, 2008, PUBLIC BANK reported 13.2% rise in Net Profit y-o-y after Minority Interest to RM593.5m whilePBT was up 8% to RM791.6m. In comparison, its 1Q-FY08 saw 51% growth in Net Profit after Minority Interest compare home loans rate to RM717.4m and a 44% growth in PBT to RM970.6m. TAY was also in favour of the present accommodative monetary strategy of low and stable interest rates. " .... The interest rate outlook continues to remain low and stable and we expect any change in the overnight policy rate to be gradual .... We still need the present accommodative monetary strategy to support growth. (In fact) it has supported growth no credit loans very well so far ...." he added. Meanwhile, TAY said PUBLIC BANK's hire-purchase rate of 4.2% at present was too low to be sustainable in current money market conditions loans to flip houses where the equivalent rate was above 5%. However, " .... such rates are continuously reviewed

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US thrifts' lost instant approval loans $5.4B in 2Q, second largest ever - Yahoo! News Primary Navigation Home U.S. Business World Entertainment Sports Tech Politics Elections Science Health Most Popular Secondary Navigation Business Video U.S. Economy Stock Markets Earnings Opinion Personal Finance Press best debt consolidation loans Releases Search: All News Yahoo! News Only News Photos Video/Audio Advanced US thrifts' lost $5.4B in 2Q, second largest ever By MARCY GORDON, AP Business Writer Wed Aug 27, 10:55 AM ET WASHINGTON - U.S. thrifts lost $5.4 billion in the second quarter and set aside a record amount to cover losses from bad mortgages and other loans. Data sunbank secured personal loans from the U.S. Office of Thrift Supervision released Wednesday show federally-insured savings and loan institutions posted their second-largest quarterly loss ever in the April-June period, after the $8.8 billion loss in the fourth quarter of last year. Heavily focused on mortgage lending, thrifts have been stung by mounting home-loan defaults. The $5.4 billion quarterly loss compared with net profits of $3.8 billion in the year-ago period, and a loss of $627 million in the first quarter. The roughly 830 thrifts also set aside a record $14 billion to cover losses from money loans fast bad mortgages and other loans. John Reich, the thrift agency's director, said 98 percent of institutions still have adequate capital to weather the housing and economic turbulence. "Solid capital and sizable reserves for potential loan losses show once again that thrift managers are responding appropriately to the challenges they face," Reich said in a statement. "These two factors will serve the industry well in fedral home loans riding out the current crisis." The report from the agency, a division of the Treasury Department, came a day after the Federal Deposit car loans orlando Insurance Corp. said the number of troubled banks and thrifts jumped to 117 — the highest level since earn points towards student loans mid-2003. The FDIC also said profits earned by banks and savings and loans plunged by 86 percent in the second quarter, to $5 free faxless loans billion. The find loans thrift agency said its number of problem institutions grew to payday loans maryland 17 at the end of the second quarter from 10 a year earlier. The agency said the amount that savings associations set aside for problem loans soared in the second quarter to 3.68 percent of average assets from 0.38 percent a year earlier. Thrifts differ from banks in that, by law, they must have at least 65 percent of their lending in mortgages and other consumer loans — making them particularly vulnerable to the persistent housing downturn. The institutions regulated by the Office of Thrift Supervision range in size from big lenders like Seattle-based active duty student loans Washington Mutual Inc. and Sovereign Bancorp Inc. of Philadelphia to titl loans in billings mt small community banks. Like banks, thrifts are being closely

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