NEW RELEASE : Mississippi Banking Industry
Perspectives and Challenges April-2012
Feature Topics
The banking industry in Mississippi has been burdened by increased Federal regulation which has increased pressure on bank profitability. Laws enacted to protect the most financially-vulnerable individuals have, in some instances, prevented banks from offering those individuals the services they need. Banks, meanwhile, are investing more money and manpower into maintaining compliance with burgeoning regulations, an especially difficult task for small community banks being held to the same universal standards as much larger banking entities. Loans are more costly to underwrite, and deposits are earning close to 0% interest. Earnings are harder to produce as investments generate extremely low returns. Demand for credit and credit quality appear to be improving, trends seen as positive by the state’s bankers.
Readers Comments
As usual, this is an outstanding edition of "Economy Watch." Keep up the good work. This is a valuable publication for the business, government, and non-profit sectors
Lewis Whitfield
CREATE Foundation
January 10, 2012
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