It was presented by Amber Bonefont on 8-May,2024 who was a #finance expert at Florida Atlantic university.
Warning signs of Republic First Bank’s failure were evident for a while, and now more banks across the country are exhibiting similar signs of a risk of failure, according to a finance expert at Florida Atlantic University.
The risk factors of Philadelphia-based Republic First Bank’s potential to fail were hiding in plain sight as #banks must report the market values of their securities in their quarterly regulatory filings, according to Rebel Cole, Ph.D., Lynn Eminent Scholar Chaired Professor of Finance in FAU’s College of Business. Republic First Bank reported unrealized securities losses in excess of its equity as early as June 2022.
State regulators closed Republic First Bank in April 2024, marking the first bank failure of the year. Fulton Bank entered into an agreement with the FDIC to purchase most of Republic First’s $6 billion in assets and to assume most of its $4 billion in deposit liabilities.
“The same risk factors, unrealized losses on investment securities and heavy reliance upon uninsured deposits, that brought down Silicon Valley Bank also brought down Republic First,” Cole said. “These risk factors triggered concerns of both investors and depositors about the viability of the banks when the banks announced efforts to raise additional capital before actually securing these additional funds.”
Other banks in the country could be at risk of failure as unrealized securities losses reached $478 billion, the most recently available data shows. Already, 40 banks with more than $1 billion in assets reported unrealized security losses greater than 50% of their equity capital. More than 200 smaller banks have done the same.
During 2020, bank deposits grew by more than 20% ($3 trillion) as depositors placed their government-funded pandemic transfer payments into their bank accounts; during 2021, deposits grew by another 15% ($2 trillion). Without profitable lending opportunities during the pandemic, banks put more than $2 trillion into investment securities, an increase of more than 50%. Banks were searching for yield, so they invested in the longest maturities available to them.
Since the end of 2023, the 10-year treasury yield jumped from 3.86% to 4.5% as the Federal Reserve Board has been steadily raising rates to combat inflation. As rates go up, the value of long-maturity securities decreases, inflicting huge losses on many banks.
Considering rising interest rates, upcoming data should show that losses have ballooned to more than $600 billion.
“Those numbers of banks reporting security losses 50% greater than their equity capital will swell because of the rise in interest rates since the end of last year,” Cole said. “We could see additional banks fail and will have to see if this will ultimately lead to another banking crisis.”

Source: Florida Atlantic university news
#BANKS #Risk #failures
$BTC $USDC

#Floki was launched in 2021. #Floki operates as an ERC-20 token on the Ethereum blockchain and a BEP-20 token on the Binance Smart Chain. It strives to distinguish itself from other meme coins by combining memes with utility.
Floki Coin, a cryptocurrency inspired by the popular #ShibaInu dog breed and named after a character from the TV series "Vikings," has experienced a remarkable surge in value. This rally can be attributed to a blend of social media hype, strategic marketing, and growing interest in meme-based cryptocurrencies.
The recent pump in Floki Coin’s price has caught the attention of investors and market analysts alike. A series of high-profile endorsements and aggressive marketing campaigns, including billboard advertisements in major cities, have significantly bolstered its visibility. Additionally, the coin has been actively promoted on social media platforms, fueling a frenzy among retail investors who are eager to capitalize on the trend.
Moreover, the general uptick in the cryptocurrency market has provided a conducive environment for such meme coins to flourish. With Bitcoin and Ethereum showing stability, investor confidence has trickled down to altcoins like Floki, leading to substantial gains.
However, this surge also comes with a caveat. Market experts caution that the volatility associated with meme coins can lead to rapid price swings, posing risks for investors. As with any speculative asset, potential investors are advised to conduct thorough research and exercise caution.
In summary, Floki Coin’s recent pump highlights the dynamic and often unpredictable nature of the cryptocurrency market, driven by community enthusiasm and strategic promotional efforts.
#btc70k #BnbAth
$FLOKI $SHIB

#Pepe Coin was launched on May 17, 2023, by a team based in the United States. The project was built on the Binance Smart Chain with the intention of introducing a different perspective to the meme coin market.
In a remarkable turn of events, Pepe Coin, the meme-inspired cryptocurrency, has experienced a significant surge in value. Initially conceived as a joke, Pepe Coin has defied expectations, attracting attention from both retail investors and the broader crypto community.
The recent pump in Pepe Coin's value can be attributed to a combination of factors. Social media buzz, driven by influential figures and viral trends, has played a crucial role in propelling the coin into the spotlight. Memes and internet culture have proven to be powerful tools in the crypto world, capable of influencing market sentiment and investor behavior.
Moreover, the broader cryptocurrency market has seen a resurgence, with Bitcoin and other major altcoins experiencing gains. This positive market sentiment has likely spilled over to lesser-known tokens like Pepe Coin, amplifying its upward momentum.
However, investors should exercise caution. The rapid rise of meme coins often comes with high volatility and significant risk. While the current pump has generated substantial interest and potential profits for early adopters, the market can be unpredictable, and prices may fluctuate drastically.
In summary, Pepe Coin's recent surge exemplifies the impact of internet culture on financial markets, highlighting both the opportunities and risks inherent in the world of meme-based cryptocurrencies.
#PEPE #StartInvestingInCrypto #btc70k #Megadrop
$PEPE $BOME $ETH

#Alice Coin is a revolutionary cryptocurrency designed to enhance transaction efficiency, security, and scalability. Utilizing Directed Acyclic Graph (DAG) technology, Alice Coin offers parallel processing of transactions, resulting in high-speed and low-cost transfers. Unlike traditional blockchains, DAG structures transactions in a graph format, which eliminates the need for miners and block confirmations, ensuring instant transaction processing and reduced energy consumption.
Key features of Alice Coin include minimal transaction fees, making it ideal for microtransactions and cross-border payments. Its user-friendly interface ensures accessibility for both novice and experienced users. Additionally, the coin’s energy-efficient protocol addresses environmental concerns associated with traditional cryptocurrencies.
Alice Coin’s versatility makes it suitable for various applications, including e-commerce, where it provides a quick and secure payment option. Despite challenges such as regulatory hurdles and market volatility, Alice Coin's strong technical foundation and clear value proposition position it for significant growth and adoption. As the cryptocurrency landscape evolves, Alice Coin is poised to become a major player, revolutionizing digital transactions with its innovative approach.
#Megadrop #btc70k #ALICE
$ALICE $NOT $SLP

#ARKM Coin, introduced in early 2023, has quickly become a notable player in the evolving landscape of cryptocurrencies. Named after the iconic city in comic lore, Arkham Coin aims to blend advanced blockchain technology with innovative use cases, positioning itself as a utility-driven asset rather than a speculative one.
Unlike many meme coins, Arkham Coin focuses on delivering real-world applications, particularly in the realm of digital identity verification and secure transactions. Its blockchain infrastructure is designed to offer enhanced privacy features and robust security measures, addressing growing concerns about data breaches and cyber threats.
The initial response to Arkham Coin has been positive, with a steadily increasing market cap and a supportive community of developers and users. Its unique value proposition and clear use cases have attracted both individual investors and institutional interest. Additionally, Arkham Coin’s team has been proactive in engaging with regulators to ensure compliance and build trust within the broader financial ecosystem.
Arkham Coin’s emergence underscores the shift towards more utility-focused cryptocurrencies. While the market remains highly volatile, Arkham Coin's emphasis on security and real-world application positions it as a potentially enduring asset in the crypto space. As the digital economy continues to expand, Arkham Coin may play a significant role in shaping the future of secure online transactions.
#ARKM #Megadrop #altcoins #ETH
$ARKM $ETH $LINK

#Bonk Meme Coin, launched in late 2023, captured the essence of the meme cryptocurrency phenomenon. Inspired by the humorous "bonk" meme, the coin quickly gained popularity through clever social media marketing and a strong online community presence. Initially, Bonk's price skyrocketed, driven by #fomo (fear of missing out) and the prospect of quick profits. Its whimsical branding and the momentum from earlier meme coins like Dogecoin and Shiba Inu fueled its rapid ascent.
However, the hype proved unsustainable. Bonk lacked a clear use case or intrinsic value, leading to wild price fluctuations. As the broader crypto market experienced a downturn, Bonk's value plummeted, resulting in significant losses for many investors. The initial excitement faded, and the once vibrant community began to dwindle.
Bonk's journey offers key lessons for the crypto space. While meme coins can achieve rapid gains through community engagement and clever marketing, they are also highly volatile and risky investments. Sustainable growth requires more than just hype; a clear value proposition and real-world utility are essential. Bonk's rise and fall underscore the importance of cautious, informed investment in the unpredictable world of cryptocurrencies.
#Megadrop #EarnFreeCrypto2024 #BONK🔥🔥
$BONK $SHIB $DOGE