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A secured loan is a loan that requires some sort of collateral|asset to obtain the loan.

RiT is a leading provider of intelligent solutions for infrastructure management, asset management and network utilization.

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As banks continue to fail, there is a renewed interest in understanding the causes of financial crisis. Economists have for long tried to understand what causes such crises. There are two views on this: (a) a "sunsopt" view, and (b) a "business cycle" view. The sunspot view argues that the root cause of crisis is depositor "panic". When a substantial number of depositors of a bank begin to believe that a bank is not solvent, they end up starting a self-fulfilling bank run. Given the first-come first-serve nature of demand deposit contracts, every depositor wants to stand first in the line to withdraw his money from the bank. This collective action puts a pressure on even an otherwise solvent bank and drives it to bankruptcy. The business cycle based view instead focuses on fundamental weaknesses in the economy as the key force behind a banking crisis. Under this view, economists argue that banks fail because their illiquid risky investments turn out to be bad. Depositors realize this problem and therefore demand their money back. This leads to an "inefficient" liquidation of the bank and its ultimate failure. While these two views share several common feature, there are many differences in their policy prescriptions. Under the sunspot view, the regulator should try hard to avoid a self-fulfilling prophecy. Regulations such as deposit insurance from the government are geared precisely toward avoiding such runs. Under the business cycle based view, the regulators need to focus their attention more closely on avoiding risky bank behavior and in ensuring smooth liquidation of distressed bank's assets. Of course, a prudent bank regulator should use elements of both these theories to design an optimal bank regulation policy.

FDIC: 35489 BHC: 0 Bank Profile: Details Assets (In '000) 87,804,525 Large sized bank with mix of retail and commercial lending and strength in core deposits

List of top Bank Holding Companies by Assets.

California is home to 256 commercial banks controlling about $ 399.03 billion in aggregate assets and $ 224.6 billion in aggregate core deposits. Liability Profile Following chart shows the distribution of liabilities across different categories for all banks in CA. About 64.81 % of this state's liabilities come from core deposits as compared to the national average of 56.04 %.

he trend in bank bankruptcies continues unabated. According to FDIC there have been 157 bankruptcies in 2010, which is actually higher than the number of bank failures in 2009 (140). This clearly shows that banks are still struggling to cope with the economic crisis that began in 2008. The banks have been plagued by similar problems - increased proportion of Non Performing loans in Assets portfolio through continuing Mortgage defaults .The troubles are compounded in a fragile economic environment which leads to steep decline in Earnings and erosion of Capital eventually plunging these banks into bankruptcy. Safety Ranking An indication of the financial frailty of these banks is given by BankVega's Safety Ranking which takes into account each of the above indicators of a bank's financial health. BankVega Safety Ranking measures a bank's financial strength on a scale of 1 (riskiest) to 100 (safest). We believe that it is a predictor of future distress and we had used our safety index to publish a list of 480 riskiest banks of 2010 that had the maximum probability of going bankrupt.

BOK Financial Corporation is a financial holding company with banking subsidiaries in several states including Oklahoma, Texas, New Mexico, Colorado and Arizona. The group holds about $24 billion in assets and has an equity base of about $2.4 billion. BOKF's stock return has moved closely with S&P 500 over the past few months. With a closing price of $52.04 on 2/23/20111, the company trades at a P-E multiple of 14.25 and a P-B multiple of 1.36. The current trading price is close to the upper limit of 52 week high-low range ($42-$56).

First Choice Community Bank, Dallas, GA was closed by the regulators on April 29, 2010. All deposit accounts, excluding the Cede & Co. deposits, have been transferred to Bank of the Ozarks, Little Rock, AR ("assuming institution") and will be available immediately. The former First Choice Community Bank locations will reopen as branches of Bank of the Ozarks during regular business hours. Safety Ranking: BankVega safety ranking has been erratic for last 2 years and seen wild swings. It looks like bank tried to maintain its growth at all costs, but fundamental challenges in asset quality resulted in bankruptcy of the bank.

Investment is a concept of restoring the money via purchasing of assets, lending loans and fund terms with well planned expectation on favorable future returns. We can find plenty of investment plans that can support in the money handling process that secures future in making profit.

Futures are the most common type of derivatives. In a futures contract, the investor agrees to buy or sell an asset at a predetermined price on a particular date in the future. The investor gets profit or loss from that derivative based on the difference between the bought price and actual price of the underlying commodity on the actual date of contract.

Taxation of Capital gains & Gifts is a live wire issue which impacts one and all be it individuals, businesses or non-profit organizations. Acquisition of capital assets is an integral part of any investment decision for a business enterprise or a salaried employee.

News: EMC buy-out debt mountain prompts sell-off - report.

Gold futures extended Friday's gains and were trading higher during late noon trade in the domestic market on Monday asFriday's deadly terrorist attacks in Paris which killed over 130 people, raised geopolitical risks, sapping risk taking appetite, and forcing traders to seek shelter in safe haven assets such as the bullion.

Bad Credit Loans for Unemployed are an easy to fetch hassle free loans where a borrower is not required to be a good credit scorer and a property holder. These loans are available for people who are facing some poor ratings and need a loan without asset pledging formalities.