Monday, October 17, 2011

After-tax net income repays loans:Wells Fargo Profit Rises, Revenue Slips - WSJ.com

Wells Fargo Profit Rises, Revenue Slips - WSJ.com

See Barrons discussion of how low rates hobbled business lending by banks in Japan.

There is no free lunch and the Fed is ignorant (and clearly the Dems don't have a clue) of the impact of their artificially low rates on the motivation of banks to lend.

An interesting exercise is to consider how much a business borrower needs to earn pre-tax to repay a bank loan - especially if they are a sole proprietor or S-corp - not just with current tax rates but the tax rates the Obama Administration and liberals would like to saddle high earners with.

Many politicians seem to forget that loans are repaid with after-tax net income.

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