Tag: C&I

How to Use Our C&I Program to Improve Your Credit Quality and Earnings

C&I Loans, Bank Lending

For non-investment grade C&I debt, such as the debt found in our National-to-Local C&I program, the current default rate for the whole sector has dropped to 0.44% in August as calculated by S&P. This excludes a default earlier in the year by Energy Future Holdings (EFH) which ran into problems during the downturn and has used several tactics to delay a bankruptcy. As a result, we exclude them from the analysis as it does not reflect current conditions.

 

Banking’s Crystal Ball Discovered! Loan Growth Now Obtainable

C&I Loan Sales

Let’s say you are a bank. Let’s further say that your preference is to make loans to profitable customers in your community. We are also going to go out on a limb and speculate that you are trying to grow earnings and that you would like more loan volume rather than less. How is our fortune telling prowess? Pretty good, huh? Thank you. Since we are on a roll, we will also speculate that you might like our National-to-Local loan program to help with all the above.

 

Use This Tactic To Exceed Your Loan Budget

National-to-local C&I Loan Sales

For a bank that is behind budget, has a real estate concentration, has too much asset duration or just wants exposure to certain industries, there is a program that should be met with open arms, as it is ideal to help strengthen your bank.  Today, CenterState introduced its National-to-Local Loan Program to help community banks add C&I loan growth and diversify their balance sheet in a customized manner.

 

When It Comes To Loan Mix Is Your Bank More Artist Or Scientist?

Managing the Loan Mix

There is a classic debate in banking of whether it is better to diversify your loan portfolio or to “stick to what you know.” The logic of the stick-to-what-you-know camp is that since you understand  X (insert your specialty – real estate, doctors, residential, etc.) your return will offset any gains in diversification.

 

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