Comments on: Submit Questions: Interview with the Bank Analyst http://streetcapitalist.com/2009/10/07/submit-questions-interview-with-the-bank-analyst/ Wisdom on such diverse topics as: spin-offs, merger arbitrage, post-bankruptcy equities, global macro commentary and short ideas. Thu, 10 Feb 2011 04:28:00 +0000 hourly 1 http://wordpress.org/?v=3.2 By: kvattiku http://streetcapitalist.com/2009/10/07/submit-questions-interview-with-the-bank-analyst/comment-page-1/#comment-4884 kvattiku Sun, 11 Oct 2009 19:03:26 +0000 http://streetcapitalist.com/?p=750#comment-4884 Hi Tariq,<br> I have the following questions:<br><br>1. Commerce Bancorp (formerly CBH) used to be a unique bank which had a different business model. If it were a standalone company now, would it have been affected the same way as most of the big banks. Also, would it have taken more market share from the likes of BoA and Citi. <br><br>2. Are there any banks similar to Commerce Bancorp which are radically different ? Hi Tariq,
I have the following questions:

1. Commerce Bancorp (formerly CBH) used to be a unique bank which had a different business model. If it were a standalone company now, would it have been affected the same way as most of the big banks. Also, would it have taken more market share from the likes of BoA and Citi.

2. Are there any banks similar to Commerce Bancorp which are radically different ?

]]> By: kvattiku http://streetcapitalist.com/2009/10/07/submit-questions-interview-with-the-bank-analyst/comment-page-1/#comment-4835 kvattiku Sun, 11 Oct 2009 12:03:26 +0000 http://streetcapitalist.com/?p=750#comment-4835 Hi Tariq,<br> I have the following questions:<br><br>1. Commerce Bancorp (formerly CBH) used to be a unique bank which had a different business model. If it were a standalone company now, would it have been affected the same way as most of the big banks. Also, would it have taken more market share from the likes of BoA and Citi. <br><br>2. Are there any banks similar to Commerce Bancorp which are radically different ? Hi Tariq,
I have the following questions:

1. Commerce Bancorp (formerly CBH) used to be a unique bank which had a different business model. If it were a standalone company now, would it have been affected the same way as most of the big banks. Also, would it have taken more market share from the likes of BoA and Citi.

2. Are there any banks similar to Commerce Bancorp which are radically different ?

]]> By: Packer16 http://streetcapitalist.com/2009/10/07/submit-questions-interview-with-the-bank-analyst/comment-page-1/#comment-4833 Packer16 Fri, 09 Oct 2009 01:26:53 +0000 http://streetcapitalist.com/?p=750#comment-4833 What level of reserves do you consider appropriate for the following types of assets held in banks: commercial loans, commercial real estate, residential real estate (gov't guarenteed, jumbo), real estate development loans, consumer credit and auto loans. How do you get comfortable that the reserve levels are adequate?<br><br>How do you include the value of core deposits and the flexablity of overcapitalization in your fair valuation estimates of banks? What level of reserves do you consider appropriate for the following types of assets held in banks: commercial loans, commercial real estate, residential real estate (gov't guarenteed, jumbo), real estate development loans, consumer credit and auto loans. How do you get comfortable that the reserve levels are adequate?

How do you include the value of core deposits and the flexablity of overcapitalization in your fair valuation estimates of banks?

]]> By: Andy http://streetcapitalist.com/2009/10/07/submit-questions-interview-with-the-bank-analyst/comment-page-1/#comment-4832 Andy Fri, 09 Oct 2009 00:59:18 +0000 http://streetcapitalist.com/?p=750#comment-4832 Looking forward to the interview. Active financial sector investor here. Looking forward to the interview. Active financial sector investor here.

]]> By: marketfolly http://streetcapitalist.com/2009/10/07/submit-questions-interview-with-the-bank-analyst/comment-page-1/#comment-4830 marketfolly Wed, 07 Oct 2009 16:43:59 +0000 http://streetcapitalist.com/?p=750#comment-4830 hey Tariq, looking forward to this interview. I've got a few questions for them:<br><br>- The trade in fins has largely been long large moneycenter and short regionals, do you see that trend continuing going forward?<br><br>- how worried are you about regionals with large CRE exposure as we progress through what seems to be the next set of fundamental problems? And on that note, which regionals would you be most afraid of here?<br><br>- What ratios are you looking at the most when examining banks? do you use the Texas ratio at all given how it has helped signal banks that will need to raise cash in the past?<br><br>- And finally, what are your best long and short recommendations in the sector currently?<br><br>Thanks! hey Tariq, looking forward to this interview. I've got a few questions for them:

- The trade in fins has largely been long large moneycenter and short regionals, do you see that trend continuing going forward?

- how worried are you about regionals with large CRE exposure as we progress through what seems to be the next set of fundamental problems? And on that note, which regionals would you be most afraid of here?

- What ratios are you looking at the most when examining banks? do you use the Texas ratio at all given how it has helped signal banks that will need to raise cash in the past?

- And finally, what are your best long and short recommendations in the sector currently?

Thanks!

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