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Editorial Results (free)

1. US Economy, Though Sluggish, May Now Be Sturdier -

WASHINGTON (AP) – Out of a seemingly hollow recovery from the Great Recession, a more durable if still slow-growing U.S. economy has emerged.

That conclusion, one held by a growing number of economists, might surprise many people. After all, in the five years since the recession officially ended, Americans' pay has basically stagnated. Millions remain unemployed or have abandoned their job searches. Economic growth is merely plodding along.

2. Citigroup to Pay $7 Billion in Subprime Mortgages Probe -

WASHINGTON (AP) – Citigroup agreed Monday to pay $7 billion to settle a federal investigation into its handling of risky subprime mortgages, admitting to a pattern of deception that Attorney General Eric Holder said "shattered lives" and contributed to the worst financial crisis in decades.

3. US Bank Earnings Decline 7.7 Percent in First Quarter -

WASHINGTON (AP) – U.S. banks' earnings declined 7.7 percent in the January-March quarter from a year earlier, as higher interest rates dampened demand for mortgage refinancing and reduced banks' revenue from the mortgage business.

4. Real Estate ‘Titans’ Share Industry Advice -

In the 1980s Dan Wilkinson and Robert Snowden were deeply involved in developing Memphis International Airport Center.

5. Wal-Mart Jumps Into the Money Transfer Biz, Loudly -

NEW YORK (AP) – Wal-Mart is delving deeper into financial services at its stores and shaking up the money transfer business.

The world's largest retailer introduced a new money transfer service Thursday that it says will cut fees for its low-income customers by up to 50 percent compared with similar services elsewhere. The Walmart-2-Walmart service is being rolled out in partnership with Ria Money Transfer, a subsidiary of Euronet Worldwide Inc.

6. FDIC Sues 16 Big Banks That Set Key Rate -

WASHINGTON (AP) – The Federal Deposit Insurance Corp. has sued 16 big banks that set a key global interest rate, accusing them of fraud and conspiring to keep the rate low to enrich themselves.

7. US Bank Earnings Rise 17 Percent -

U.S. banks’ earnings rose 17 percent in the October-December quarter from a year earlier, as losses on loans fell to a seven-year low and banks set aside less to cover losses as well as legal costs.

8. US Bank Earnings Rise 17 Percent -

U.S. banks' earnings rose 17 percent in the October-December quarter from a year earlier, as losses on loans fell to a seven-year low and banks set aside less to cover losses as well as legal costs.

9. US Bank Ending Short-Term Loan Product -

MINNEAPOLIS (AP) – U.S. Bank will eliminate a short-term loan offering to meet new federal rules.

The bank is dropping the option after federal regulators set new guidelines last year on "deposit advance" products, which are small-dollar, short-term loans made by banks to customers who have recurring direct deposits. It allows consumers to borrow money against future deposits into their checking accounts.

10. Out-of-Town Banks Target Memphis for Growth -

More than 40 percent of the customer deposit share in the Memphis-area banking market belongs to institutions that have a presence here but are based outside the area, the latest figures from the Federal Deposit Insurance Corp show.

11. US Ban on High-Risk Bank Trades Approved -

WASHINGTON (AP) – U.S. regulators have taken a major step toward reining in high-risk trading on Wall Street, banning the largest banks from trading for their own profit in most cases.

12. Banks Earn $36 Billion in Third Quarter -

U.S. banks earned less in the July-September quarter than they did a year earlier, marking the first year-over-year decline in earnings since the spring of 2009, when the country was still mired in the Great Recession.

13. Banks Earn $36 Billion in Third Quarter -

U.S. banks earned less in the July-September quarter than they did a year earlier, marking the first year-over-year decline in earnings since the spring of 2009, when the country was still mired in the Great Recession.

14. Banks Tweak Checking, Online Options -

As the two banks with the biggest customer deposit shares in Memphis, First Tennessee Bank and Regions Bank must stay closely in touch with their clients’ checking and online banking needs.

15. First Horizon Reports Third Quarter Loss -

The Memphis-based parent company of the largest bank based in Tennessee swung to a third quarter loss, with a $200 million addition to its mortgage repurchase reserve contributing to a loss for the quarter of $107.5 million.

16. FDIC Releases Latest Market Share Figures -

The Federal Deposit Insurance Corp. has come out with its latest annual ranking of the customer deposit share among banks, and not much has changed in the Memphis metropolitan statistical area over 2012.

17. FDIC Releases Latest Market Share Figures -

The Federal Deposit Insurance Corp. has come out with its latest annual ranking of the customer deposit share among banks, and not much has changed in the Memphis metropolitan statistical area over 2012.

18. US Banks Earn Record $42.2 Billion in 2nd Quarter -

WASHINGTON (AP) – U.S. banks earned more from April through June than during any quarter on record, aided by a steep drop in losses from bad loans.

The Federal Deposit Insurance Corp. says the banking industry earned $42.2 billion in the second quarter, up 23 percent from the second quarter of 2012. About 54 percent of U.S. banks reported improved earnings from a year earlier.

19. Proposal Gives Banks More Leeway on Mortgage Bonds -

WASHINGTON (AP) – Regulators want to ease a rule that would require banks to share some risk in the complicated mortgage investments that helped cause the financial crisis.

Under the proposal advanced Wednesday by the Federal Deposit Insurance Corp. and the Federal Reserve, banks could exempt relatively safe mortgages from the value of those securities.

20. First Horizon Posts Second Quarter Profit -

First Horizon National Corp. posted earnings per share of $0.17 for the second quarter – a “solid, but not great” period for the bank, in the words of one analyst.

21. Fed Approves Higher Bank Capital Standards -

WASHINGTON (AP) – The Federal Reserve approved higher requirements for the amount of capital reserves banks must hold to cushion against unexpected losses. The change is aimed at preventing a repeat of the 2008 financial crisis.

22. Bank of America Executive: Small Business is on the Comeback -

NEW YORK (AP) – Robb Hilson's job as head of small business banking at Bank of America is to convince small business owners that the bank wants to do business with them.

That's not easy when small businesses have consistently said in surveys that they find it hard to get loans from banks, and when banks have become more cautious about lending to small companies following the recession. But in the 18 months Hilson has been on the job at the nation's second-largest bank it has had some success with its 3.2 million small business customers. Last year, Bank of America made $8.7 billion in new loans to small businesses, up 28 percent from 2011.

23. New Guide for Teaching Seniors How to Avoid Fraud -

WASHINGTON (AP) – U.S. regulators have a new guide for teaching older adults how to detect financial scams and avoid being exploited.

The curriculum was developed by the Federal Deposit Insurance Corp. and the Consumer Financial Protection Bureau for instructing groups of seniors and their caregivers. It can be used by employees of financial firms, adult protective service agencies, senior advocate groups and law enforcement personnel, the agencies said Wednesday.

24. Sevierville Bank Transferred to First Tennessee -

The 12 branches of Mountain National Bank of Sevierville reopened for business at the start of this week under the banner of First Tennessee Bank.

25. First Tennessee Buys Mountain National Bank -

First Tennessee Bank has bought a failed bank from the Federal Deposit Insurance Corp.

First Tennessee acquired Mountain National Bank of Sevierville from the FDIC. That was after the Office of the Comptroller of the Currency closed Mountain National Bank Friday, June 7, and named the FDIC as receiver.

26. SEC Considers Tougher Rules for Money Funds -

WASHINGTON (AP) – Investors could lose principal from money market investment funds that perform poorly under regulations proposed Wednesday by the Securities and Exchange Commission. But the change would affect mainly institutional rather than individual investors.

27. US Banks Report Record Earnings for First Quarter -

WASHINGTON (AP) — U.S. banks earned more from January through March than during any quarter on record, buoyed by greater income from fees and fewer losses from bad loans.

The banking industry earned $40.3 billion in the first quarter, the Federal Deposit Insurance Corp. said Wednesday. That's the highest ever for a single quarter and up 15.8 percent from the first quarter of 2012, when the industry's profits were $34.8 billion.

28. Obama Nominates Pritzker, Froman for Economic Jobs -

WASHINGTON (AP) – President Barack Obama on Thursday chose two old friends with corporate executive experience for top posts on his economic team, naming longtime fundraiser Penny Pritzker as Commerce secretary and adviser Michael Froman as U.S. Trade Representative.

29. Metropolitan Bank Still Growing 5 Years In -

Metropolitan Bank has come a long way in five short years. Since being founded amid the worst financial crisis in the U.S. in generations, the bank – which in March celebrated its fifth birthday – has grown its assets from $243 million at the end of 2008 to $722 million at the end of 2012.

30. Capital Requirement -

In early April, U.S. Sen. Bob Corker, R-Tenn., joined a handful of other senators in drafting a letter in part about new rules of the road governing bank capital requirements.

That letter was sent to Federal Reserve Gov. Daniel Tarullo, Comptroller of the Currency Thomas Curry and Federal Deposit Insurance Corp. Chairman Martin Gruenberg.

31. Bank of Bartlett Continues Turnaround -

The Federal Reserve Board has terminated a so-called “prompt corrective action” order for Bank of Bartlett that was released last year and which at the time asserted the bank was undercapitalized.

Bank of Bartlett president Harold Byrd said at the time the family-run bank was already on the mend and that the Fed’s order was based on outdated information. Without explanation, the Fed announced within the past week its order regarding Bank of Bartlett, dated Jan. 30 has been terminated.

32. Grubb & Ellis Affiliates With New York Advisory Firm -

Grubb & Ellis-Memphis – a full-service commercial real estate firm serving western Tennessee, northern Mississippi and eastern Arkansas – has formed an affiliation with Newmark Grubb Knight Frank, a New York City-based commercial real estate advisory firm.

33. Grubb & Ellis Forms Affiliation With New York Advisory Firm -

Grubb & Ellis-Memphis – a full-service commercial real estate firm serving western Tennessee, northern Mississippi and eastern Arkansas – has formed an affiliation with Newmark Grubb Knight Frank, a New York City-based commercial real estate advisory firm.

34. US Citing Security to Censor More Public Records -

WASHINGTON (AP) – The Obama administration answered more requests from the public to see government records under the Freedom of Information Act last year but more often than ever cited legal exceptions to censor or withhold the material, according to a new analysis by The Associated Press. It frequently cited the need to protect national security and internal deliberations.

35. Lender Processing Paying $121 Million to Resolve Claims -

One of the biggest U.S. mortgage processing companies has agreed to pay $121 million to resolve states' claims that it wrongfully foreclosed on homeowners who should have been allowed to stay in their homes.

36. Fewer US Banks Fail as Industry Strengthens -

WASHINGTON (AP) – U.S. banks ended 2012 with their best profits since 2006 and fewer failures than at any time since the financial crisis struck in 2008. They're helping support an economy slowed by high unemployment, flat pay, sluggish manufacturing and anxious consumers.

37. BancorpSouth Keeps Focus on Staying True to Banking Basics -

BancorpSouth Inc. may have new leadership, but the Tupelo, Miss.-based company likes to say it still has an old way of doing business.

38. Senate Bill Would Extend Deposit Insurance Program -

WASHINGTON (AP) — To prevent a possible run on banks at the height of the financial crisis four years ago, Congress expanded government insurance for certain bank deposits to include totals above the usual $250,000 limit. Now that the ceiling is about to be re-imposed, community banks fear they'll lose customers to bigger banks and want Congress to come to their rescue.

39. US Bank Earnings Rise 6.6 Percent, Most in 6 Years -

WASHINGTON (AP) – U.S. banks earned more from July through September than in any other quarter over the past six years. The increase is further evidence that the industry is strengthening four years after the 2008 financial crisis.

40. Triumph Bank Reports 15th Straight Profit -

Triumph Bank has enjoyed one of the most consistent success stories among Memphis-area community banks.

Triumph, which was founded in 2005, has reported its 15th straight quarterly profit, meaning even 2008’s Great Recession was not enough to ding Triumph’s prospects.

41. Bank Profits Shrink in Third Quarter -

Memphis-area banks on the whole were a lot less profitable at the end of the third quarter than they were during the same period in 2011.

The two dozen or so banks in the Memphis market reported a little more than $12 million in year-to-date net income at the end of the third quarter, according to data from the Federal Reserve Bank of St. Louis. That’s a big drop from the $136.3 million in year-to-date net income the same banks collectively reported in the third quarter of 2011.

42. Amex Paying $112.5 Million in Late-Fee Settlements -

WASHINGTON (AP) – American Express Co. is paying $112.5 million in refunds and fines to settle regulators' accusations that it charged unlawful late fees and deceived customers to pressure them to pay off old debts or buy extra credit card services.

43. Feds Order Discover to Refund $200 Million to Cardholders -

WASHINGTON (AP) – Discover Bank will pay millions in fees to settle accusations by regulators that it pressured credit card customers to buy costly add-on services like payment protection and credit monitoring.

44. US Bank Earnings Rose 21 Percent in 2nd Quarter -

WASHINGTON (AP) – U.S. bank earnings rose 21 percent in the April-June quarter and lending to consumers increased, adding to evidence that the industry is strengthening four years after the financial crisis.

45. Prosecutor Probes Ties Between Regions Financial and Fiderion -

A federal prosecutor has opened an inquiry into business ties between Regions Financial Corp. and Fiderion Group LLC.

46. Feds Tighten Appraisal Rules for Risky Mortgages -

WASHINGTON (AP) – New federal rules proposed Wednesday would require all high-risk mortgage lenders to obtain property appraisals for the first time.

Under the rule, all mortgages deemed risky would require an appraisal by a licensed or certified appraiser, including a written inspection of the home's interior, according to regulators including the Federal Reserve and the Consumer Financial Protection Bureau. Previously, there was no universal federal requirement that appraisals be performed on all risky mortgages.

47. Regions Financial Reports Second Quarter Profit -

Regions Financial Corp. reported a second quarter profit Tuesday, July 24, of $284 million, or $0.20 per diluted share, driven by improvement in its core business performance.

48. As US Economy Steadies, Bank Closings Become Rarer -

WASHINGTON (AP) – Fewer U.S. banks are failing than at any time since the financial crisis erupted in 2008. The healthier banking industry is helping sustain an economy slowed by lackluster hiring, weak manufacturing and Europe's debt crisis.

49. Big US Banks Submit "Living Wills" to Regulators -

Nine of the largest U.S. banks have submitted plans to the federal regulators that show how they would break up and sell off their assets if they are in danger of failing.

The Federal Deposit Insurance Corp. released summaries of the "living wills" on Tuesday for Bank of America, Barclays, Citigroup, Credit Suisse, Deutsche Bank, Goldman Sachs, JPMorgan Chase, Morgan Stanley and UBS.

50. Commercial Advisors Grows CRE Portfolio -

Cushman & Wakefield/Commercial Advisors Asset Services LLC is on a roll, picking up various leasing and management assignments that have brought its office and industrial involvement to 17.8 million square feet.

51. FDIC Signs Lease In Lakecrest -

Federal Deposit Insurance Corp. has inked a substantial lease in Lakecrest III, marking the market’s largest office lease signing this year.

52. $1 Million Permit Filed for FDIC in Lakecrest III -

B&B Specialty Contractors Inc. has filed a $1 million building permit application with the city-county Office of Construction Code Enforcement for tenant space alterations for Federal Deposit Insurance Corp. in Lakecrest III, 6060 E. Primacy Parkway, according to The Daily News Online, www.memphisdailynews.com.

53. FDIC Head Outlines Strategy for Seizing Banks -

WASHINGTON (AP) – Regulators plan to employ a strategy for handling big failing banks that would help stabilize the financial system by preserving the banks' healthy operations, the head of the Federal Deposit Insurance Corp. says.

54. Regions to Repay TARP -

Regions Financial Corp. will sell $900 million in stock to repay some of the $3.5 billion it received from the Treasury Department as part of the 2008 bank bailout, the company announced Wednesday, March 14.

55. Privatization Thoughts Highlight Changes -

Here’s a roundup of what some of the city’s banks and bankers, investment professionals, mortgage brokers, asset management firms and other financial services shops have been up to in recent weeks.

56. Bernanke: Smaller Banks Stronger -

WASHINGTON (AP) – Federal Reserve Chairman Ben Bernanke said Thursday, Feb. 16, that the health of the nation’s community banks has strengthened, despite what he described as a frustratingly slow economic recovery.

57. Fed Sends Notice to Bank of Bartlett -

The Federal Reserve has sent Bank of Bartlett a notice of “Prompt Corrective Action” that suggests the bank is undercapitalized and requires the bank to raise capital within 90 days.

The notice is dated Monday, Jan. 30. The first sentence reads, in part, “The Board of Governors of the Federal Reserve System determined that, as of Oct. 27, 2011, Bank of Bartlett, Bartlett, Tennessee, a state chartered bank that is a member of the Federal Reserve system, was undercapitalized.”

58. Sale Mars Regions’ Q4, Yearly Earnings -

Regions Financial Corp. swung to a loss for the fourth quarter and ended 2011 with a loss for the full year.

59. Regions Financial Posts Q4, Full Year Loss -

Regions Financial Corp. swung to a loss for the fourth quarter and ended 2011 with a loss for the full year.

The Birmingham, Ala.-based banking company, one of the largest players in the Memphis market, reported a $602 million loss for Q4 before the stock market opened Tuesday, Jan. 24. That loss was driven largely by a write-down related to Regions’ deal announced earlier this month to sell its Memphis-based investment banking unit to Raymond James Financial Inc.

60. Administration Nominees Awaiting Next Move by GOP -

WASHINGTON (AP) – Senate Republicans are returning to Washington in an angry mood over President Barack Obama's appointments to two key agencies during a year-end break.

More than 70 nominees to judgeships and senior federal agency positions are awaiting the next move from Republicans, who can use Senate rules to block votes on some or all of Obama's picks.

61. Renasant Corp.'s Q4 Profit Rises -

TUPELO, Miss (AP) – Renasant Corp. says fourth-quarter profit rose on the strength of its expansion.

62. Big Banks Must Show Break-Up ‘Living Wills’ Under New Rule -

WASHINGTON (AP) – The largest banks must show how they would break up their assets if they were in danger of failing, under a rule approved Tuesday, Jan. 17.

The Federal Deposit Insurance Corp. voted to require banks with $50 billion or more in assets to submit so-called living wills. Seven banks with more than $250 billion in assets will have to show their plans by July. The other 30 affected by the rule have until 2013.

63. First Horizon Expected to Post Profit -

The parent company of First Tennessee Bank reports fourth-quarter earnings and its full-year 2011 results this month, and Wall Street analysts are expecting another quarterly profit from the Memphis-based company.

64. FDIC: Bank Earnings Hit Highest Level in 4 Years -

Bank earnings rose over the summer to their highest level in more than four years, while the number of troubled banks fell for the second straight quarter, federal regulators reported Tuesday.

The Federal Deposit Insurance Corp. said the banking industry earned $35.3 billion in the July-September quarter. That’s up from $23.8 billion in the same period last year. More than 60 percent of banks reported improved earnings.

65. Local Banks Show Signs of Rebound -

The Memphis banking market – along with that of the state – continues to bounce back. New reports out from two federal banking regulators show a surge in year-to-date profits for Memphis-area banks, including a more than doubling of net income for the area’s largest bank, First Tennessee, in the third quarter from Q3 2010. That’s from data compiled by the Federal Reserve Bank of St. Louis.

66. Obama to Name Fed Dissenter Hoenig as FDIC No. 2 -

WASHINGTON (AP) – President Barack Obama is nominating a longtime Federal Reserve official and critic of big banks to be the No. 2 official at the Federal Deposit Insurance Corp.

67. First Horizon’s Profit Improves in Q3 -

Between July and September, the Memphis-based parent company of First Tennessee Bank, the largest bank based in Tennessee, more than doubled its quarterly profit compared with the same period in 2010, the company announced Monday, Oct. 17.

68. First Tenn. Parent Co.’s Profit Improves in Q3 -

Between July and September, the Memphis-based parent company of the largest bank based in Tennessee more than doubled its quarterly profit compared with the same period in 2010, the company announced Monday, Oct. 17.

69. SEC Backs Banks Trading Ban -

WASHINGTON (AP) — The Securities and Exchange Commission Wednesday backed a proposal to bar banks from trading for their own profit instead of their clients.

The SEC voted 4-0 to send the ban on so-called proprietary trading out for public comment. The rule was required under the financial regulatory overhaul.

70. FDIC Backs Ban on Banks Trading for Own Profit -

WASHINGTON (AP) – Banks would be barred from trading for their own profit instead of their clients under a rule federal regulators proposed Tuesday.

The Federal Deposit Insurance Corp. backed the draft rule on a 3-0 vote. The ban on so-called proprietary trading was required under the financial overhaul law.

71. Judge Orders Broad Mediation in WaMu Bankruptcy -

WILMINGTON, Del. (AP) – A Delaware bankruptcy judge on Thursday refused to allow bank holding company Washington Mutual Inc. to proceed with its reorganization efforts without first engaging in mediation with various creditor groups.

72. Discover Faces FDIC Action on Protection Sales -

NEW YORK (AP) – Discover Financial Services is facing an enforcement action by the Federal Deposit Insurance Corp. over the way it sold its payment protection, identity theft protection and other products.

73. Memphis Banks Looking East to Nashville -

A growing number of Memphis-based banks are moving to take advantage of new opportunities to grow …

… In Nashville.

With its announcement just days ago that it’s chosen a Nashville market president, Metropolitan Bank – which is co-headquartered in Memphis and in Ridgeland, Miss. – became the latest to direct some attention east of the Tennessee River. As part of its expansion into Nashville, Metropolitan announced it’s looking for an office location and key talent with which to staff it up pending regulatory approval of the expansion.

74. Fannie Mae Cited for Failing To Stop Robo-Signing -

WASHINGTON (AP) – Fannie Mae missed chances to catch law firms illegally signing foreclosure documents and its government overseer did not take the right steps to ensure Fannie was doing its job, according to a federal watchdog.

75. Large Banks Must Show So-Called 'Living Wills' -

The largest U.S. banks will be required to show regulators how they would break up and sell off their assets if they are in danger of failing.

The Federal Deposit Insurance Corp. voted 3-0 Tuesday, Sept. 13, to approve the rules, which were mandated under the financial overhaul passed by Congress last year.

76. FDIC: Number of Problem Banks Fell to 865 in Q2 -

WASHINGTON (AP) – The number of troubled banks tracked by the Federal Deposit Insurance Corp. fell in the April-June quarter, the first quarterly drop in five years. But growth in bank earnings slowed, a sign that the financial industry is feeling the effects of a weak economy.

77. Obama to Nominate Curry as Comptroller of Currency -

WASHINGTON (AP) – President Barack Obama said Friday he will nominate Thomas Curry, a federal bank regulator, to be the U.S. comptroller of the currency.

78. Hackers Nab Card Data From 200,000 Citi Customers -

NEW YORK (AP) – Citigroup Inc. has become the latest victim in a string of high-profile data thefts by hackers targeting some of the world's best-known companies.

79. FDIC: Banks Inch to Profitability -

In the first three months of 2011, Tennessee’s banking industry shed workers, got smaller and reported surging profits.

That’s according to newly released figures from the Federal Deposit Insurance Corp., which show that almost 60 percent, or 107, of Tennessee’s 190 federally insured banks reported a pickup in earnings in the first quarter.

80. Foreclosure Notice Bill Sees Little Change -

The law in Tennessee governing how many times lenders have to run a newspaper notice before they can foreclose on a property won’t be changing too much after all.

Lawmakers this month appeared to have coalesced around a compromise proposal of reducing the frequency of the notices from three times to two after originally debating language that would require only one newspaper notice before a foreclosure could occur.

81. Troubled Banks Made Up About 12 Pct of Total in Q1 -

WASHINGTON (AP) – The number of U.S. banks at risk of failing made up nearly 12 percent of all federally insured banks in the first three months of 2011, the highest level in 18 years.

82. State House Approves Foreclosure Bill -

Tennessee lawmakers have moved closer toward cutting back the number of foreclosure notices lenders have to publish in newspapers before borrowers in default lose their home.

Legislation drafted by the Tennessee Bankers Association and amended in legislative committees would allow lenders to reduce the current mandate from three foreclosure notice publications to two. The new notices also likely won’t include the lengthy descriptions they feature now.

83. Regulators Update Congress on Financial Overhaul -

WASHINGTON (AP) – Federal Reserve Chairman Ben Bernanke and other regulators gave Congress an update Thursday on their efforts to implement the biggest overhaul of America's financial rules since the Great Depression.

84. Separation Anxiety for Entrepreneurs -

Ray’s Take: In a testament to American gumption, some people facing lengthy unemployment or underemployment have seized the opportunity to start their own businesses. Inc. Magazine recently published data showing that the rate of Americans starting their own businesses is the highest it has been in 15 years.

85. Analysts: First Horizon Could Report Small Q1 Profit -

The consensus estimate of more than two-dozen analysts is that First Tennessee Bank’s Memphis-based parent company will report a 4-cent profit for the first quarter when First Horizon National Corp. announces earnings this week.

86. New CFO Latest Sign Of Growth At Evolve -

Memphis-based Evolve Financial Group has brought a new chief financial officer on board.

Howard Lasley, who has more than 30 years’ experience in financial services and has worked in the banking, thrift, investment and mortgage banking spheres, has joined a company with three primary business divisions, 220 employees at year-end, 22 mortgage offices and five full-service bank branches in Arkansas and Tennessee.

87. US Proposes Exemption for Mortgage Securities -

WASHINGTON (AP) – Federal regulators are proposing to exempt certain mortgages from new rules aimed at getting banks to take on more risk when package and sell mortgage investments.

The Federal Deposit Insurance Corp. and the Federal Reserve voted Tuesday to advance the exemption from rules required under the new financial regulatory law. Under the rules, banks must hold at least 5 percent of the mortgage securities on their books.

88. Strategic Move -

Johnny Moore, the president and CEO of SunTrust Banks’ Memphis division who’s nearing the end of his second year in the role, has been talking for a while about growing the bank’s branch network in the area.

89. Troubled Banks Rise to Highest Level in 18 Years -

WASHINGTON (AP) – The number of banks at risk of failing made up nearly 12 percent of all federally insured banks in the final three months of 2010, the highest level in 18 years.

The Federal Deposit Insurance Corp said Wednesday that the number of banks on its confidential "problem" list rose to 884 in the October-December quarter, up from 860 in the previous quarter. Those are banks rated by examiners as having very low capital cushions against risk.

90. ‘Big 3’ Reflect Local Banking Scene -

One of the most famous aphorisms about politics is that all of it is local. Bankers and other inhabitants of the finance world know the same often goes for them too.

In the run-up to the recession, financial services firms like Citigroup and Bank of America raced to gobble each other up and built sprawling financial supermarkets.

91. Foreign Investors Buy Treasure Park Apartments -

2601 N. Watkins St.
Memphis, TN 38127
First Sale: $1.1 million

Sale Date: Jan. 31, 2011
Buyer: City National Bank
Seller: Federal Deposit Insurance Corp. as receiver for Imperial Capital Bank of La Jolla, Calif.
Second Sale: $450,000
Sale Date: Jan. 28, 2011
Buyer: Square Mile Investments LLC
Seller: City National Bank
Details: A foreign investment group named Square Mile Investments LLC has bought Treasure Park Apartments at 2601 N. Watkins St. in Frayser from City National Bank for $450,000.
Details: A foreign investment group named Square Mile Investments LLC has bought Treasure Park Apartments at 2601 N. Watkins St. in Frayser from City National Bank for $450,000.

92. Foreign Investors Buy Treasure Park Apartments -

A foreign investment group called Square Mile Investments LLC has bought Treasure Park Apartments at 2601 N. Watkins St. in Frayser from City National Bank for $450,000.

93. Bank of Bartlett Ends 2010 with $1M Profit -

If the executive team that runs Bank of Bartlett had to choose a song to serve as the bank’s theme these days, one candidate might be “Happy Days are Here Again.”

The small, community bank notched a pre-tax profit for 2010 of about $1.7 million and a little more than $1 million after tax. Bank president Harold Byrd said core deposits also are growing, the bank’s cost of funds remains low and the bank’s operating expenses have been trimmed to a healthy level.

94. First Horizon Swings to Q4 Loss Related to TARP Repayment -

First Tennessee Bank’s parent company swung to a loss in the fourth quarter, a reversal the company attributed to its exit from the federal government’s emergency bank industry rescue program established in 2008.

95. All Eyes on First Horizon in Advance of Q4 Report -

The consensus estimate of how First Tennessee Bank’s parent company fared in the fourth quarter is that it dipped back into the red following two straight quarterly profits.

96. Psychiatrists Say Stanford Not Competent for Trial -

HOUSTON (AP) — Two psychiatrists testified Thursday that former Texas billionaire and financier R. Allen Stanford, who is set to go to trial at the end of the month on charges he bilked investors out of $7 billion in a Ponzi scheme, is not mentally competent to go forward with his case.

97. Magna Boosts Lending Power With Q10 Affiliation -

Magna Bank has joined the Q10 capital network, a prestigious affiliation that gives the Memphis bank access to more sources of capital.

98. Magna Boosts Lending Power with Q10 Affiliation -

Magna Bank has joined the Q10 capital network, a prestigious affiliation that gives the Memphis bank access to many more sources of real estate capital.

99. Net Income Up at Tennessee Banks -

Tennessee’s 191 federally insured banks made a lot more money in the third quarter than they did during the same three months in 2009, according to new figures from the Federal Deposit Insurance Corp.

100. First Horizon Focused on Productivity, Profitability -

First Horizon National Corp.’s turnaround story is still a work in progress, but president and CEO Bryan Jordan told analysts during an industry conference this month he likes how it’s unfolding so far.