North Bay Business Journal

Bankers: Regulatory expansion will drive industry consolidation

SANTA ROSA — The high cost of complying with burgeoning regulation will be the cause of even more bank consolidation than has occurred as a result of the recession, experts say.

Spotlight: Leaders in Commercial Banking in 2011

Following are many of the leading professionals in commercial lending across the North Bay. (Listed alphabetically by institution name)

Banking & Finance: Are regulators stifling local bank lending?

‘David suffering for Goliath’s sins;’ also, 2 in top Bauer rank There are two fewer locally based banks in the North Bay than there were at this time last year. Tamalpais Bank was shut down by the Federal Deposit Insurance Corp. and purchased by Union Bank. Napa Community Bank, previously under the parent company of Capitol Bancorp [...]

Spotlight: Leaders in Commercial Banking

(Listed alphabetically by name)

Could this be the end of free checking?

Don’t like the idea that if you are close to the bottom of your checking account and you go over the line with a $7 sandwich you could be subject to a $35 overdraft fee?

Banking column: Officials say banks likely to take losses on $19.2 million in Carinalli loans

Banks will likely end up taking losses on a large portion or all of the $19.2 million in unsecured and under-secured loans made to long-time Sonoma County real estate investor Clem Carinalli.

Nine of the 14 financial institutions named in the recent U.S. Bankruptcy Court filings have unsecured loans and three are headquartered locally.

Poor economy makes personal guarantees a big business risk

NORTH BAY – Business owners who agree to loan guarantees can be held personally liable if a note goes into default, and the current economic environment is making it particularly difficult for companies.

Small Business Finance: North Coast Bank parent awarded TARP funds

After applying for federal funds available through the bailout package, American River Bankshares, parent company of North Coast Bank in Sonoma County, was approved for participation in the U.S. Department of Treasury’s TARP Capital Purchase Program.