Word: ratios
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Dates: during 2000-2009
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...Prognosis: On the way to the ICU. Citigroup has a projected leverage ratio of just 3.8% - far lower than what it would need to be considered well capitalized. How much would the U.S. have to give the bank to nurse it back to good health? About $22 billion...
...companies that collect mortgage checks, will be paid $1,000 every time they cut the interest rate on a loan to reduce the monthly payment to no more than 38% of a borrower's gross income. The government will split the cost of reducing the debt-to-income ratio further than that, down to 31%. Both servicers and borrowers will be paid up to $1,000 a year (for three and five years, respectively) for keeping the loan current...
...runs the Neighborhood Assistance Corporation of America, a nonprofit that works with servicers to restructure loans. After five years, the interest rate on modified loans can rise again, up to the industry average when the change is made, even if that pushes borrowers above the 38% payment-to-income ratio. The plan encourages but does not require servicers to make adjustments to principal balance - the generally acknowledged best way to keep people in their homes, especially when they owe more than their house is worth. In markets where home prices have dropped most precipitously or where investors make...
...stress test is also influenced by the measure you use. We chose the leverage ratio. To calculate it, divide a bank's equity by its assets, much of which are loans. The lower this ratio goes, the shakier a bank becomes. For example, a 10% leverage ratio means the bank has lent out $10 for every $1 in equity it has. A 5% reading translates to $20 out for every $1 in hand. Regulators like to see a reading of at least 5%. Anything less than that and a bank could become toast. Here's what we found...
...quests ended in failure and countless cupcake tastings resulted in comments about the cupcake being “uninspired,” I always cherished the search. The perfect cupcake is not simply a taste, but also an act. You may sometimes come upon the cupcake with the perfect ratio of frosting to cake bottom, while many other times you are left with the untouched sand-tasting cupcake from the Kosher birthday party. And once in a while, you are left wondering how a brown sugar cupcake with bacon bits could ever taste good. Here’s to hoping...