While tax reform will offer a big boost to bank earnings, the windfall of profits will likely spark more competition that could eat into margins. Lowering the corporate tax rate will push bank earnings 13% higher than results would have been before the passage of the landmark legislation, according to data from S&P Global Market Intelligence.
Strong expansion in commercial loan yields has pushed net interest margins at U.S. banks to the highest level in more than five years. Continued rate hikes by the Federal Reserve offered a considerable lift to yields on commercial and industrial credits in 2017. While the increases in short-term rates also pushed deposit costs higher in the period, the increases were only modest, allowing net interest margins to expand.
While banks continue to close branches and invest savings in digital channels, some of the nation's largest banks contend that the branch is not dead. Banks cut nearly 1,700 branches during the first nine months of 2017, pushing the industry's branch count 5% below the level seen at June 30, 2014.
@khaslett I'm not surprised they'd need your SSN for a background/credit check. They're trying to assess your ability meet your debt service. It's worse in some places. In NYC, you need a guarantor if you don't make 40x the monthly rent
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Musk AND Zuckerberg or Musk + Zuckerberg.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used). For example, results will contain either cake or cookie by searching cake OR cookie or cake,cookie
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".