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For those of you with money in the banks

BOA and JP Morgan, the report appears an overall small percentage even though they are both over a trillion, turning a stone over I have to wonder how many of the smaller commercial banks holdings are actually controlled by the aforementioned actually increasing the debt ratio? Both of these financial giants are so in twined with the Fed.Reserve can you believe anything they say?
 
BOA and JP Morgan, the report appears an overall small percentage even though they are both over a trillion, turning a stone over I have to wonder how many of the smaller commercial banks holdings are actually controlled by the aforementioned actually increasing the debt ratio? Both of these financial giants are so in twined with the Fed.Reserve can you believe anything they say?
That's what I'm wondering............At what %'age exposure to CRE does it create a threat to banks, especially the smaller regional banks?
I hate to cite this source, but it does lay out what is on the horizon:
https://www.cnn.com/2024/02/29/business/regional-banks-cre-exposure-explainer/index.html

Mandrake mechanism at work. Maybe a gold backed money would go a long way to solving this fractional banking mess set up over a hundred years ago.
 
Nothing to base my opinion on about these banks but feel these pie graphs are somewhat conservative with what they are representing. That PA bank failure, could it be an example for others to get in line with us r this ma be you next? Didn’t Bush put safe guards into the banking industry to avoid these types of failures?
Nothing to base my opinion on about these banks but feel these pie graphs are somewhat conservative with what they are representing. That PA bank failure, could it be an example for others to get in line with us r this ma be you next? Didn’t Bush put safe guards into the banking industry to avoid these types of failures?
Don't know about bush. He seemed to do more to protect his banking/defense bud's than the depositors. I regard the bush family exactly the same as the bidens.........criminal organizations.

One video you may enjoy is this guy. He breaks down (especially at the end) what is going on with CRE's and the hidden crap that the official stats don't include. Especially interesting is that he includes the amount of taxes and how they really should be included in the CPI. The CPI is such a false measure of what is truly affecting your pocketbook. Add in taxes, energy, and food cost to the CPI and the public would really understand the screw job that the assholes in congress are inflecting on all of us:

 
Not to worry- BlackRock will continue to use as much taxpayers money as necessary to purchase residential and commercial real estate for purposes of propping up the economy- at least under Briben. Nothing to see here, move along.
 
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Not to worry- BlackRock will continue to use as much taxpayers money as necessary to purchase residential and commercial real estate for purposes of propping up the economy- at least under Briben. Nothing to see here, move along.
Remember BlackRock is playing with other people's money....
Those folks with their retirement in Vanguard have no idea that Vanguard has put their money in BlackRock.
BlackRock is "re-insured" in case of a crash. The investors have no re-insurance.
Dej Vu

Vanguard Fiduciary Trust Co​


  • Ownership: 8.66%
  • Shares Held: 12,890,245

 
CRE is a time bomb. Not if, but when the financial disaster happens. Can't refinance since so many aren't wanting to use the properties and rates are up. There has been enough written about over the past year. Another leg of the Covid panic to help fk this country.
Am I the only one hearing the words "too big to fail" ? Who's holding all the mortgages?debt for CRE?
 
CRE is a time bomb. Not if, but when the financial disaster happens. Can't refinance since so many aren't wanting to use the properties and rates are up. There has been enough written about over the past year. Another leg of the Covid panic to help fk this country.
Am I the only one hearing the words "too big to fail" ? Who's holding all the mortgages?debt for CRE?
The CRE situation is low on my priorities list. A continuous supply of potable water is #1.
When I wake up at 3 am and my brain starts running at 1,000 mph... CRE's never cross my mind.
Being concerned with commercial real estate is nothing more than re-arraigning the deck chairs on the Titanic.
Share your financial plan with us.
 
The CRE situation is low on my priorities list. A continuous supply of potable water is #1.
When I wake up at 3 am and my brain starts running at 1,000 mph... CRE's never cross my mind.
Being concerned with commercial real estate is nothing more than re-arraigning the deck chairs on the Titanic.
Share your financial plan with us.
For me it's not so much the CRE, but rather the problems that it creates for depositors and the taxpayer. It's the same old story that has played out for decades.......create the crisis, then allow the big banks to eliminate the competition by buying up their assets at fire sale prices. Ultimately, the taxpayer pays the piper, or in the case of too big to fail, a bail-in serves as the last resort. Big banks win in the end no matter what. This has been shown for centuries to be true.
Thanks for that website jrhtx. Lots of good things there...............
 
Interesting second from the top Home BancShares, inc. is part of Centennial Bank.
View attachment 8411830
Deja Vu.... 1980's

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I'm doing my best to get out of the banks. I've decided to move as much as I can into a local credit union system here that boasts a capitalization level of 18.39%, which is excellent. Higher capitalization allows for a greater buffer to cover loans that may fail in the future. Texas also has its own rating system for banks, and the Texas system gives this one a Texas Ratio of 0.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
 
I'm doing my best to get out of the banks. I've decided to move as much as I can into a local credit union system here that boasts a capitalization level of 18.39%, which is excellent. Higher capitalization allows for a greater buffer to cover loans that may fail in the future. Texas also has its own rating system for banks, and the Texas system gives this one a Texas Ratio of 0.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The problem here is false reporting by the banks that is being covered up by the very Government agencies that are supposed to "regulate" the industry. Historically (Wells Fargo) when the Government levies fines against financial institutions the money from those fines go to the United States Government and not to the very individuals who suffered the losses. Yes, the FDIC pays for losses .... The FDIC is also Government. A Government spending tax payer money to keep a system afloat.

The Government, as we have seen, is a master of changing the rules once individuals put their hard earned cash into something 'Backed by the US Government".

 
Who here has managed to retire with their income solely based on selling their gold, silver and ammo as their only source for income? Please share. Tell us how you managed to gain a nice retirement without stocks, bonds, real estate, dollars or pesos. Give us one of those stories about how you barter possum skins for dried wheat, grind it yourself and drive around with no license or title for your car on public roads because you are a free transit American.

Throw in that story about how you are owed a share of the total value of the nation and how it went when you tried to cash your "free transit American check" at a bank. Did you really want to get paid in those evil dollars anyway?

I can promise you the swamp will collapse the economy again in the next ten years. When they steal the election from Trump, again, they will do it because Biden's idiots have no idea what they are doing. Or if they allow Trump to win, they will kill the economy out of spite.
 
There is an issue in CRE and it is almost all in major urban markets. Think NYC, Chicago, San Fran etc. Large regionals and Very large national banks have the majority of this exposure. Smaller community banks may have CRE concentrations but they generally don’t play a lot in these markets. Hard for a small bank to finance $120MM for a downtown skyscraper. Smaller banks $5B and smaller May have high CRE concentrations but the kinds of properties are way different. Owner occupied, small town, smaller doctors offices etc. much better risk profile. Above lists interesting but not the way you measure the concentration of a bank. Any bank over 300% of total risk based capital is considered “highly concentrated” where upon they need much more involved monitoring of that portfolio. Banks at greater than 425% got alot of eggs in that basket and better know their stuff. Excess capital is what keeps banks afloat when credit issues hit. Don’t fool yourselves that Credit Unions are better. They tend to have much riskier profiles and buy alot of national syndicated loans. Like huge CRE. Investor puts out a $200MM loan and 10 CU’s take $20MM each. Credit Unions took the full hit when the NYC taxi cab medalions became worth 1/4. Even though CU’s don’t have to pay any taxes. They pay higher rates so the end up with riskier loan profiles.
 
Interesting… and maybe my tinfoil DNA spitballing, but what if — and stick with me here — this is all a ploy by Globalist GOV Elites to sieze absolute control of the banking system, along with all the accompanying assets, to eliminate any last claims to “private property.”

Just spitballing, and I’m sure it’s much ado about nothing, so… carry on.
 
Interesting… and maybe my tinfoil DNA spitballing, but what if — and stick with me here — this is all a ploy by Globalist GOV Elites to sieze absolute control of the banking system, along with all the accompanying assets, to eliminate any last claims to “private property.”

Just spitballing, and I’m sure it’s much ado about nothing, so… carry on.
That is the plan. Hidden in plain sight.
 
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There's been talk of a CRE collapse for years now, and yet it hasn't really happened. There's always a firm available with the ability to swoop in and get a deal on a troubled asset. If there's an opportunity to make some money short or long term, there are a number of firms with Trillions of dollars available to seize on those opportunities, and act very quickly on 'em.

There's been talk of another housing bubble too, I don't see that happening at all at this time. IMO, the powers that be are finding it far more profitable, and easier, to build multi-family rentals in bulk. Seen a lot of very large apartment complexes being built all over the place in the Kansas City area, and any new single family units going up are not what I would describe as affordable housing. When they're $500k+ and 7%+ and banks are demanding money down and higher credit scores, that's not something I would consider "affordable housing". There are no starter homes being built anywhere (in KC area). There's just no profit in it for developers.

Branden
 
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Interesting… and maybe my tinfoil DNA spitballing, but what if — and stick with me here — this is all a ploy by Globalist GOV Elites to sieze absolute control of the banking system, along with all the accompanying assets, to eliminate any last claims to “private property.”

Just spitballing, and I’m sure it’s much ado about nothing, so… carry on.
There was an interview with the chief prick at bank of amigo. What you are saying is exactly what that asshole is openly boasting about. According to him, they want to use the cbdc to reduce the cost of having to deal with checks, and coinage/dollars. He really is an evil, arrogant bastard that has no problem with enslaving you.

If I can find that interview, I'll post it as way too many are not paying attention to what the world elites are openly planning to do.
 
Who here has managed to retire with their income solely based on selling their gold, silver and ammo as their only source for income? Please share. Tell us how you managed to gain a nice retirement without stocks, bonds, real estate, dollars or pesos. Give us one of those stories about how you barter possum skins for dried wheat, grind it yourself and drive around with no license or title for your car on public roads because you are a free transit American.

Throw in that story about how you are owed a share of the total value of the nation and how it went when you tried to cash your "free transit American check" at a bank. Did you really want to get paid in those evil dollars anyway?

I can promise you the swamp will collapse the economy again in the next ten years. When they steal the election from Trump, again, they will do it because Biden's idiots have no idea what they are doing. Or if they allow Trump to win, they will kill the economy out of spite.
I wish I could live on just the return on our investments, but what we have done is slowly wean ourselves off spending the principle investments by looking at other ways to passively support ourselves. We looked long down the road. We were fortunate enough to see the possibility of bad times coming. We bit the bullet and saved instead of buying things on a whim. We paid off bills and invested in real estate, gold, silver, guns and bullets when it wasn't cool. So now, we have the ability to jump on deals when we run across them. Also, I have a rule that seems to work well. That is, don't spend money recklessly. However, with the value of the dollar crashing, it sometimes is a good idea to spend money on things you know you will need while the dollar is still worth more than it will be in a year or two. Also, my wife worked and retired from the state. She sometimes had offers for better jobs, but now she has a good retirement with fully paid insurance for her, and it also pays half of mine. We own two productive farms that are paid for, and we live on one of them. We drive late model vehicles that are paid for. If I can't write a check for it, then I need to really evaluate whether or not I really need it, and can I make this purchase pay for itself in the long run. Even during hard times, I look for ways to come out ahead.

You have to do many things to get set for the future, but it takes some long-term planning and sacrifice. And, you have to stick to the plan, but be ready to modify it for the better. It took hard work and smart money management, but it's a great feeling to not have to worry about how much money is in the checking account. And, we haven't had to worry about it for a long time now.
 
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Ok. Here's an interview from 2019, where the ceo of boa talks about the cashless society and "atomizing money." It's at about the 10:15min mark where he talks about the costs of a cash society and what they are looking forward to: