Posts by Emily Eisenlohr
Are You a Bank Analyst or Do You Know One?
Are you a bank analyst, or do you know one? I have created a link, below, to a model I built in 2011 after the passage of Dodd-Frank. Based on regulatory filings of the banks on the Fed’s Top Fifty Bank Holding Companies list, mentioned from time to time in my blog posts. I was…
Read MoreDodd-Frank’s “Resolution Authority”: Not Too Little. Just Too Late.
TBTF bank CEOs were quick to support the Dodd-Frank “resolution authority”, stating that banks should be allowed to fail. This was a game. Dodd-Frank clarified and strengthened the ability of the government to bail out failing banks. When systemic banks fail, the whole system goes down, as we saw in 2008. If the intent is…
Read MoreSocial Security Versus Disability: Obscuring Their Future Through Assumptions
The Social Security and Disability Insurance programs’ Trustees issued their annual report to Congress as expected this month. Their message is even more strongly worded — that the Social Security and Disability Insurance programs face longer-term insolvency of an astounding magnitude. But this year’s modeling utilized aggressive assumptions to hide how quickly the catastrophe is barreling…
Read MoreTBTF Banks: Those at the Top Are Still the Ones Doing the Derivatives Trading
For those who have seen this table in earlier posts, here’s the update. The issue is what constitutes a systemic bank. Dodd-Frank says $50 billion and above in balance sheet assets. This table shows the assets of U.S.-headquartered banks as ranked by assets by the Federal Reserve. It also shows their derivatives portfolios and their…
Read MoreSocial Security Protection? Just the Opposite! The Summer of 2015 Spending Bill
Did your Representative vote for last summer’s omnibus spending bill? Try finding that bill and those votes on Congress’s website. There’s a huge, hidden story behind the votes. The spending bill may have prevented a shutdown of the government, but it had some retirement surprises. The least talked about in this electorate-fragmenting election was the…
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