NON-INTEREST INCOME DIVERSIFICATION OPPORTUNITIES
FOR
COMMUNITY BANKS
(Purchase for $300
Per Copy)
DESCRIPTION OF
STUDY:
BAC has recently completed a major study of diversification strategies for community banks. This is an essential study for community bank CEOÕs seeking to inform themselves of activities and initiatives of how other institutions are dealing with margin compression (see below) through non-interest income diversification.
This is a research document of approximately 100 pages designed to provide CEO's of community banks with an overview of non-interest income diversification strategies of community banks and super community banks. The study covers the following areas and bank sample sizes:
|
Size Cohort by Asset Size |
# US Banks |
# NE Banks |
Areas Evaluated |
|
<$500 Million in Assets |
6,800 |
520 |
á Leasing á Insurance sales á Investment Management and/or Trust á Other (Venture Capital / Investment Banking) |
|
$>500 Million <$1 Billion |
578 |
129 |
|
|
$>$1 Billion <$10 Billion |
452 |
104 |
Note: Data is for commercial banks and
thrifts; Federal Savings Banks have not been included in this sample
The study is assembled from public sources and covers the following topics:
l
Executive
Summary of Community Bank performance & Diversification
l
Performance
of US and Northeastern Community Banks by Quartile: 12/31/06
l
Diversification
Strategies of Northeastern Community Banks
l LEASING:
Frequency and Bank Participants
à Entry Issues for Banks Considering
Leasing
à Industry Overview
à Strategic Reasons for Banks to Provide Leasing
à Why Customers Are Attracted to
Leasing
à Bank Choices in Leasing
à General Types of Leases
à Accounting for Leases
à Conceptual Pricing of Leases
à Risks in Leasing
à Implementation Alternatives In
Leasing
(Building vs Acquisition vs Joint Venture)
à Pro-Forma Financial Projections of
De Novo Bank Leasing Department
l INSURANCE: Frequency and Bank Participants
à Entry Issues for Banks Considering
Insurance
à Industry Overview
à Strategic Reasons for Banks to Provide Insurance
à Why Customers Are Attracted to
Insurance
à Bank Choices in Insurance
à General Types of Insurance
à Accounting for Insurance Activities
à Conceptual Pricing of Insurance
à Risks in Insurance
à Implementation Alternatives In
Insurance (Building vs Acquisition
vs Joint Venture)
à Pro-Forma Financial Projections of
De Novo Bank Insurance Department
l Investment Management /
Trust: Frequency and Bank Participants
à Entry Issues for Banks Considering
Investment Management / Trust
à Industry Overview
à Strategic Reasons for Banks to Provide Investment
Management / Trust
à Why Customers Are Attracted to
Investment Management / Trust
à Bank Choices in Investment
Management / Trust
à General Types of Investment
Management / Trust
à Accounting for Investment
Management / Trust Activities
à Conceptual Pricing of Investment
Management / Trust
à Risks in Investment Management /
Trust
à Implementation Alternatives In
Investment Management / Trust (Building vs Acquisition vs Joint
Venture)
à Pro-Forma Financial Projections of
De Novo Bank Investment Management / Trust Department
l
Other
Diversification Strategies (Mtg.
Servicing, Venture Capital, Investment
Banking)