SNV
Most banks generally have huge uninsured deposits pretty much. Some more than others, but if your theory is uninsured deposits are radically different At SNV compared to other banks, for the most part that wouldn't be correct. They all don't carry a ton of cash, if everyone goes to the bank tomorrow we will have no banking system. It doesn't matter whether it is JPM or BAC, Or SNV, or whatever bank you can think of. It really is that simple.
Pretty Much Loan are carried at its real value of the loan, not fair value unless they are held for sale which pretty much all/most loans on every bank are not held for sale. Whether it is SNV or pretty much any bank. The good news is more than 65% of the loans (At SNV) are inside 5 years from either maturity or being refinanced probably at higher rates than the loans are currently at which will be a boost to the top line when those loans get refinanced at higher interest rate most likely. Hope this helps. All is just my opinion, and I could always be wrong though.
