Tuesday, July 10, 2012

Wednesday July 11 Housing and Economic stories



TOP STORIES:

With No Vote, Taxpayers Stuck With Tab on Bonds - (www.nytimes.com) Surprised local taxpayers from Stockton, Calif., to Scranton, Pa., are finding themselves obligated for parking garages, hockey arenas and other enterprises that can no longer pay their debts. Officials have signed them up unknowingly to backstop the bonds of independent authorities, the special bodies of government that run projects like toll roads and power plants. The practice, meant to save governments money, has been gaining popularity without attracting much notice, and is creating problems for a small but growing number of cities.
Data from Thomson Reuters suggests that local taxpayers are backing so-called enterprise debt at five times the rate they did 10 years ago. 

Biggest U.S. Banks Shrinking Loan Portfolios as Regional Lenders Fill Gap - (www.bloomberg.com) The biggest U.S. banks are extending less credit amid a faltering economic recovery as regional lenders step in to fill the gap. Total loans at the four largest U.S. banks -- JPMorgan Chase & Co. (JPM)Bank of America Corp. (BAC)Citigroup Inc. (C) andWells Fargo & Co. (WFC) -- fell 4.9 percent to $3.04 trillion in the first quarter from the same period in 2010, according to data compiled by Bloomberg. Lending by the 17 smallest of the 24 firms in the KBW Bank Index (BKX) increased 9.8 percent to $1.27 trillion. The big banks are trimming assets to satisfy stricter capital rules and regulatory demands to dispose of risky loans, while regional lenders, most less than one-tenth the size of JPMorgan, are picking up customers. That could mean lower earnings and profitability for the largest firms, said David Trone, an analyst at JMP Securities LLC in New York.

Public Pensions Face Wider Deficits Under New Rules - (www.bloomberg.com) State and local governments coping with years of underfunding and weak investment returns will be forced to clarify the extent of pension deficits under rules set today that will widen the gaps for some plans. The measures adopted by the Governmental Accounting Standards Board alter methods of calculating liabilities and assets by the retirement systems. The changes will mean pensions for public workers in IllinoisNew JerseyIndiana and Kentucky have less than 30 percent of assets needed to meet liabilities, according to the Boston College Center for Retirement Research. “We’re expecting some troubled credits to look worse,” Richard Ciccarone, managing director of McDonnell Investment Management LLC in Oak Brook, Illinois, which oversees $8 billion in municipal securities, said by telephone. “That will cause some shock and awe.”

Germany Pressed to Scrap Senior Status on Spain Rescue Loans - (www.bloomberg.com) Germany faces pressure to surrender preferred status on rescue loans to Spain’s banks in a standoff that echoes Chancellor Angela Merkel’s rejection of debt sharing to fight Europe’s deepening financial crisis. Along with Finland and the Netherlands, Germany wants official loans of as much as 100 billion euros ($125 billion) to Spain to be repaid first in the event of a default, putting bondholders at a disadvantage, said two European officials. Finance ministers from the three AAA rated countries stood their ground last week, said the officials who asked not to be named because the talks were private. The decision next goes to Merkel and fellow government leaders who have been forced to renounce previous attempts to put taxpayers ahead of investors in structuring bailouts.

Bank bailout to spark firesale of corporate Spain - (www.reuters.com) The European bailout for Spain's banks will push them to sell an empire of stakes in the nation's top companies, ending a cozy culture of corporate-banking links and prompting a wider shake-up in ownership of the company landscape. Spain formally requested euro zone rescue loans to recapitalize debt-laden former savings banks on Monday, but those who receive funds will be subject to European Union state-aid rules that include selling equity assets. With the price of such assets languishing as the euro zone's financial crisis drags on, that will involve the likely fire sale of big chunks of Spain's corporate titans, including telecoms leader Telefonica, oil major Repsol and power firm Iberdrola.




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