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evolusd
ParticipantI guess I’m used to the commercial banking world where we portfolio loans and are requird to maintain appropriate risk grades based on the current financial condition of the borrower. I see what you’re saying – such a large % of home mortgage loans have been bundled and sold as MBS, the large banks really hold more MBS, which is reserved for differently as a group rather than individually.
Thanks for the clarification, guys.
ParticipantI guess I’m used to the commercial banking world where we portfolio loans and are requird to maintain appropriate risk grades based on the current financial condition of the borrower. I see what you’re saying – such a large % of home mortgage loans have been bundled and sold as MBS, the large banks really hold more MBS, which is reserved for differently as a group rather than individually.
Thanks for the clarification, guys.
ParticipantI guess I’m used to the commercial banking world where we portfolio loans and are requird to maintain appropriate risk grades based on the current financial condition of the borrower. I see what you’re saying – such a large % of home mortgage loans have been bundled and sold as MBS, the large banks really hold more MBS, which is reserved for differently as a group rather than individually.
Thanks for the clarification, guys.
ParticipantI guess I’m used to the commercial banking world where we portfolio loans and are requird to maintain appropriate risk grades based on the current financial condition of the borrower. I see what you’re saying – such a large % of home mortgage loans have been bundled and sold as MBS, the large banks really hold more MBS, which is reserved for differently as a group rather than individually.
Thanks for the clarification, guys.
ParticipantI guess I’m used to the commercial banking world where we portfolio loans and are requird to maintain appropriate risk grades based on the current financial condition of the borrower. I see what you’re saying – such a large % of home mortgage loans have been bundled and sold as MBS, the large banks really hold more MBS, which is reserved for differently as a group rather than individually.
Thanks for the clarification, guys.
ParticipantI’ve always been impressed with Samsung products and really like the Infuse after a coupme months of use. Battery life could be better, but that’s really my only complaint. Enjoy!
ParticipantI’ve always been impressed with Samsung products and really like the Infuse after a coupme months of use. Battery life could be better, but that’s really my only complaint. Enjoy!
ParticipantI’ve always been impressed with Samsung products and really like the Infuse after a coupme months of use. Battery life could be better, but that’s really my only complaint. Enjoy!
ParticipantI’ve always been impressed with Samsung products and really like the Infuse after a coupme months of use. Battery life could be better, but that’s really my only complaint. Enjoy!
ParticipantI’ve always been impressed with Samsung products and really like the Infuse after a coupme months of use. Battery life could be better, but that’s really my only complaint. Enjoy!
ParticipantQuote:
“The new FASB rules could help boost banks’ earnings by making it clear that institutions can account for mortgage-backed securities and other assets based on their internal estimates of cash flow and other factors, rather than relying on sales prices in largely inactive markets.”
This seems to address accounting for MBS – I’m inquiring about the loans that Banks hold directly in their portfolio. When a Borrower stops paying, the Bank has to address that change in some way on their balance sheet, typically through an increased reserve. They can’t PV the income stream because there isn’t one anymore, so you’d think they’d have to take into consideration their collateral value and reserve accordingly.
ParticipantQuote:
“The new FASB rules could help boost banks’ earnings by making it clear that institutions can account for mortgage-backed securities and other assets based on their internal estimates of cash flow and other factors, rather than relying on sales prices in largely inactive markets.”
This seems to address accounting for MBS – I’m inquiring about the loans that Banks hold directly in their portfolio. When a Borrower stops paying, the Bank has to address that change in some way on their balance sheet, typically through an increased reserve. They can’t PV the income stream because there isn’t one anymore, so you’d think they’d have to take into consideration their collateral value and reserve accordingly.
ParticipantQuote:
“The new FASB rules could help boost banks’ earnings by making it clear that institutions can account for mortgage-backed securities and other assets based on their internal estimates of cash flow and other factors, rather than relying on sales prices in largely inactive markets.”
This seems to address accounting for MBS – I’m inquiring about the loans that Banks hold directly in their portfolio. When a Borrower stops paying, the Bank has to address that change in some way on their balance sheet, typically through an increased reserve. They can’t PV the income stream because there isn’t one anymore, so you’d think they’d have to take into consideration their collateral value and reserve accordingly.
ParticipantQuote:
“The new FASB rules could help boost banks’ earnings by making it clear that institutions can account for mortgage-backed securities and other assets based on their internal estimates of cash flow and other factors, rather than relying on sales prices in largely inactive markets.”
This seems to address accounting for MBS – I’m inquiring about the loans that Banks hold directly in their portfolio. When a Borrower stops paying, the Bank has to address that change in some way on their balance sheet, typically through an increased reserve. They can’t PV the income stream because there isn’t one anymore, so you’d think they’d have to take into consideration their collateral value and reserve accordingly.
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