Andy Peters

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Banks are dumping their mortgage servicing rights because low rates and new rules make it hard to earn a profit. SunTrust, Flagstar and First South Bancorp in North Carolina are taking the opposite view.
PNC Financial Services Group plans to increase consumer lending with its current tilt toward commercial loans generating lower overall loan yields.
The $29 billion-asset company said in a regulatory filing Thursday that the "needs to improve" rating will likely restrict its ability to make acquisitions and open branches.
Plenty of banks have ended their federal loss-share deals early, but despite the incentives to wind them down, plenty more still have these crisis-era arrangements in place. It may be due to varying deadlines, mistakes calculating loan values or worries that they still might need the coverage for home equity lines.
The latest lending figures show just how prodigious banks' shift from construction to C&I loans has been since the crisis. Yet a hard look at C&I credits, especially their loss rates, raises questions about whether they are safer.
Under pressure from regulators to beef up risk management in commercial real estate lending, banks are using new software tools to improve analysis.
A drop in mortgage banking cut into Trustmark's second-quarter profit, as did the costs to extend buyouts to employees.
Delinquencies on non-owner-occupied commercial real estate loans ticked up in the first quarter after years of steady declines. Some are shrugging off the increase, saying it was expected given the strong demand for CRE loans, but others say there's good reason to be concerned.
Banks have rushed to the exits when it comes to Fannie Mae and Freddie Mac debt securities. Federal liquidity rules seem to be prompting big banks to do so, but why small banks are unloading the bonds, too, is more of a puzzler.
People's United Financial in Bridgeport, Conn., reported higher first-quarter profits as it increased lending for both commercial and residential real estate.
Rates for the 30-year fixed-rate mortgage rose slightly last week, as recent figures showing an active home-sales market suggest homebuyers are taking advantage of current conditions, according to Freddie Mac.
Competitive pricing and softening demand at the high end of the apartment- and condo-building market had executives at BankUnited, Signature and New York Community answering tough questions about their growth projections and diversification strategies.
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