The Glass Is Always Full When You Are Informed

Cited: CNN

The number of banks that were at risk of closing their teller windows for good dropped in the fourth quarter of 2010, which marked the third such decline for the banking sector, and good news for a part of the financial fabric of the U.S. economy that was in jeopardy of collapse just a short time ago. It’s not that anyone ever really doubted that the big boys on the block would be okay; the CitiBank, BofA’s, and J.P Morgan Chase banks among the fatter cats in the alley were never really in that much danger because the suits and ties that run those businesses knew full well that they could put the squeeze on the Uncle Sam to bail them out of the jam. However, the smaller fish in that pond were not so certain of their fate and until recently, it seemed like their fate hung in the balance.

Reflective of the better conditions in the banking sector is a recent report by the Federal Deposit Insurance Company (FDIC) which said that outstanding loan balances to these banks increased by 1;8% in Q4 2011, the largest increase in four years and while still modest, it is a good sign and one that signals that things are moving in the right direction. Another source of optimism is another bit of data from the FDIC which notes that the number of banks still in financial trouble dropped by 31 to 813 in Q4 2011. The list is made up of the banks that the FDIC believes are in the greatest danger of failing. During the fiscal year 2011 92 banks failed with only 12 closing their doors in the last quarter of 2012.

On the other side of the coin, that being the healthier banks, the FDIC noted that the banking sector of the U.S. generated its largest annual profits since 2006 in 2011 at $119.5 billion, which topped the earnings and profits of 2010 by $34 million.  Share prices for the largest banks in the U.S. have followed their profits with stock prices in the financial sector leading the overall attack on the 13,000 level for the Dow Jones Industrial Average.

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My take:

It is important that the smaller banks also get back on their feet because they are the life blood of the smaller communities in the U.S. and the businesses that operate in those neighborhoods. It is never a good thing to have your only choice among bankers to be JPM or Citibank because those financial giants have a history of not really giving a damn for the little guy. In fact, Citibank is spending most of its investment capital in overseas operations so we need the local community banks to maintain the financial health of our communities.

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