Taylor Advisors is leading the pack when it comes to finding creative solutions designed to increase profitability and promote sustainable growth. Learn more about the waves we’re making and industry happenings in our blog.
Taylor Advisors is leading the pack when it comes to finding creative solutions designed to increase profitability and promote sustainable growth. Learn more about the waves we’re making and industry happenings in our blog.
Interest rates are on the rise as the Federal Reserve continues its campaign of tighter monetary policy in an effort to stomp out inflationary pressures. Year-to-date, Prime is up 150bps and the 5-year Treasury is up ~170bps (depending on the day), while at the same time many lenders are scratching their heads as new commercial…
The pandemic created unique opportunities for financial institutions to generate income to offset net interest margin pressure. PPP fee income, robust secondary market mortgage activity with outsized gains, and loan loss reserve releases, all transitory in nature, are expected to moderate meaningfully as we navigate through 2022 and beyond. Challenging waters lie ahead for financial…
Much has been made of Chairman Powell’s recent pivot towards normalizing monetary policy, accelerating the taper of QE, and subsequent “lift-off” from the zero-bound Fed Funds rate. The market has begun to reprice expectations for short-to-intermediate rates and the yield curve has steepened accordingly. Traditionally, steeper yield curves favor margin managers, as the spread between…
As the economy rebounds from the lows of the pandemic, capital has re-emerged as an important topic in many ALCO sessions. At the pandemic’s start, credit concerns and capital risk were top of mind with skyrocketing unemployment levels and government-mandated economic shutdowns. Fiscal and monetary policy largely helped to support consumer/business credit, and the economy…
Much time and effort on the lending front has been hyper focused on secondary market mortgage and PPP activity. While these have been worthy endeavors from a profitability and relationship standpoint, lenders are eager to replenish core loan footings that may have eroded since 2019. Fiscal and monetary stimuli have enlarged financial institution’s cash positions…
During most of 2020, Treasury yields remained very low with a flat yield curve as investors wrestled with the pandemic’s impact on global growth prospects and inflation. As we turned the page to 2021, market optimism emerged, with some data indicating the pandemic was waning due to global vaccine roll-out. As a result, investors began…