519:
buildings. As unemployment spiked beyond levels ever seen before, tenants struggled to pay rent; vacancies increased and landlords got behind in their loan payments. The single family portfolio was also negatively impacted and delinquency rates went higher than historical levels. Once homeowners secured new jobs they quickly came to the bank to refinance. Nine times out of ten the homeowners were laid off from full time jobs with benefits and found multiple part time jobs to provide the income needed to save their house.
245:. Some of the more recent management hirees of ShoreBank, in an unprecedented move by the FDIC, were allowed to continue to run the restructured bank, now a part of Urban Partnership Bank. According to the FDIC, the recent hirees "did not contribute to the bank's problems." Sheila Bair, head of the U.S. Federal Deposit Insurance Corporation, devoted several pages to the lack of federal support in her 2012 book and commented that the FDIC sought approval of the injection of federal funds several times, to no avail.
414:
297:
governor to propose the
Community Development Financial Institutions Act, which he signed in 1994. In addition, ShoreBank executives assisted in the development of the international microfinance industry. After the collapse of the Berlin Wall, the corporation's consulting affiliate, ShoreBank Advisory Services, assisted banks in Russia and Eastern Europe with small business lending.
254:
936:
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After insolvency the new bank was recapitalized through loss-share guarantees from the FDIC and a $ 367.7 million loss taken by the FDIC insurance fund, and nearly $ 140 million was invested by
Goldman Sachs, Citigroup, JP Morgan Chase, Morgan Stanley and Bank of America. There were no other cases in
296:
As its range of financial products grew, so did its geographic reach and influence in the banking industry. ShoreBank expanded into low-income communities in
Detroit, Cleveland, Michigan's Upper Peninsula, Arkansas, and the Pacific Northwest. Its influence in Arkansas influenced Bill Clinton, then
216:
Although mission-based, the bank's financial performance historically matched or exceeded that of its peer banks. However, the bank faced significant losses in 2009, and as of May 2010, was seeking $ 200 million in additional capital from major investors and the U.S. government. The bank's losses
482:
is a prominent supporter of the bank. In 1985, ShoreBank worked closely with
Clinton to set up the Southern Development Bancorporation, a community development bank serving rural Arkansans. Clinton described ShoreBank as "the most important bank in America" and credited ShoreBank's success with
292:
Renamed ShoreBank in 2000, it was the nation's first community development bank. During its 37 years of operation, ShoreBank played a critical role in stabilizing and rebuilding many of
Chicago's low-income neighborhoods and eventually expanded globally, setting the standard for the development
518:
In 2010 ShoreBank had a troubled asset ratio of 300% compared to a national average for all banks of 15%. Unemployment in many of the neighborhoods where the bank did business rose to as much as 50%; property values fell by 30%. The bank relied heavily on cash flow financing for multifamily
232:
ShoreBank
Corporation was the first bank holding company to combine commercial banking, real estate development, nonprofit loan funds, and international advisory services aimed at community development. Originally developed as a neighborhood development bank for low-income African-American
527:
to run the newly formed Urban
Partnership Bank. Although ShoreBank's President William Farrow was brought on after regulators ordered ShoreBank to raise additional capital, it is not standard practice for the FDIC to resell a bank to the managers who ran the failed bank.
1204:"Over Two Decades and Eight Thousand Miles: The Cross-continental Collaboration on Development Finance of Two Social Enterprises, ShoreBank Corporation and BRAC" by Mary Houghton and Fiona Wilson, Journal on Corporate Citizenship, Autumn 2012, page 75-99.
397:
ShoreBank
Enterprise Detroit. It was announced that ShoreBank Enterprise Detroit would be changing its name to Enterprise Detroit and would continue its operations independently of the Chicago-based bank. In 2011, the name changed to Detroit Development
389:
ShoreBank
Enterprise Cleveland. On August 20, 2010, it was announced that ShoreBank Enterprise Cleveland was changing its name to Enterprise Cleveland (EC) and would continue its operations independently of the Chicago-based bank. In 2018, the
306:
236:
It exceeded its goal of private capital commitments but did not receive requested government support, a condition of the private investors. In August 2010, the bank faced possible insolvency and risked having its deposits taken over by the
523:
which large banks lined up to recapitalize a failing bank. In an unusual move the FDIC lawsuit against the bank did not name co-founders, top executives or board members. The new management team of the former ShoreBank was allowed by the
471:. In 2023, the founders of ShoreBank (Ron Grzywinski, Mary Houghton, and posthumously Jim Fletcher and Milton Davis, received the Ned Gramllich lifetime Achievement Award for Responsible Finance from Opportunity Finance Network.
547:
371:. On August 20, 2010, Northern Initiatives announced that it had amended its by-laws to end appointment of board members by ShoreBank and that it would continue its operations independently of the Chicago-based bank.
585:
382:
state announced it would change its name to
Enterprise Cascadia on August 20, 2010, and would continue its operations independently of the Chicago-based bank. In 2013 Enterprise Cascadia rebranded as
213:
ShoreBank accepted mission-based deposits from across the country through its Development Deposits program, launched in 1982, and its online savings account ShoreBank Direct, launched in 2007.
1024:
210:
approach to banking, equally prioritizing profits, impact on people, and the impact of a project on the environment. At that time it established ShoreBank Pacific based in Portland, Oregon.
188:. At the time of its closing it was the oldest and largest such institution, and in 2008 had $ 2.6 billion in assets. It was owned by ShoreBank Corporation, a regulated bank holding company.
203:. Between 2000 and 2006, ShoreBank issued nearly $ 900 million in loans to citizens in Chicago, Detroit, and Cleveland. ShoreBank and its affiliated companies had projects in 30 countries.
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225:. In the spring of 2010, ShoreBank raised over $ 150MM in private equity to recapitalize the bank. However, no action was taken on its application for $ 70MM in
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funds which it was fully eligible to receive. The combination would have been enough to allow the bank time to work through its troubled loan portfolio.
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269:. At the time, one third of all apartment buildings in South Shore were tax-delinquent and in danger of abandonment by landlords. Angered by the bank's
282:
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241:, which insured its deposits. On August 20, 2010, the bank was declared insolvent, closed by regulators and most of its assets were acquired by
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ShoreBank established a number of affiliated nonprofits to provide related financing, technical assistance, and consulting services:
317:
for and with ShoreBank. Its other subsidiaries provided banking, equity investing, consulting, and environmental banking services:
1168:
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state. On August 21, 2010, it was announced that ShoreBank Corporation had entered into an agreement to sell ShoreBank Pacific to
29:
823:"Bull by the Horns: Fighting to Save Main Street from Wall Street and Wall Street from Itself," by Sheila Bair, Free Press, 2012.
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of Oakland, California. The acquisition completed in December 2011 and the resulting entity was rebranded eventually to
261:
In 1973 the South Shore Bank attempted to relocate from 71st Street and Jeffery Boulevard in the economically declining
636:
448:
425:
ShoreBank, its co-founders, and its affiliates have received numerous awards and honors, including from the magazines
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439:
1269:
Doing Development in Arkansas: Using credit to create opportunity for and with entrepreneurs outside the mainstream.
181:
39:
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982:
964:
386:. Their new name reflects their focus on the "'three bottom lines' of economic, environmental and social equity."
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768:
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833:
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1244:"Politically Connected ShoreBank Of Chicago Fails And Reincarnated At Taxpayer Expense - Problem Bank List"
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and others celebrate the naming of a street in Chicago after ShoreBank co-founder Milton Davis in 1998.
289:
was a founding board member and was vice president of the bank's holding company its first five years.
206:
ShoreBank incorporated environmental conservation into its mission during the 1990s, helping develop a
1025:"Enterprise Detroit Announces Name Change to Detroit Development Fund and Plans Move to Harmonie Park"
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218:
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to stop the move after creating the Illinois Neighborhood Development Corporation. Urban planner
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J.E. Post and Fiona Wilson, Too Good To Fail, Stanford Social Innovation Review, Fall, 2011,
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1007:"ShoreBank Enterprise Detroit unaffected by namesake bank's closure, will get new name″
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in 2006. Later, it worked with BRAC, a second large Bangladeshi organization.
503:
870:
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28:
1123:
Mayor Daley Awards Local Companies Employee Development Achievements" (pdf)
233:
communities, ShoreBank eventually expanded nationally and internationally.
1169:
Remarks by the President in Announcement of Community Lending Initiative.
475:
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1178:" White House South Lawn, 1993-7-15. Retrieved on January 8, 2007
1143:
Four Chicagoland Businesses Recognized for Workplace Innovations
524:
1132:, "workforceChicago2.0", 2004-6-2. Retrieved on January 8, 2007
948:
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purchased the bank after successfully petitioning the federal
148:
1145:", "www.chicagolandchamber.org". Retrieved on January 8, 2007
1071:
Business Ethics Announces Six Social Investment Award Winners
679:
Williamson, Elizabeth & John D. McKinnon (May 15, 2010).
1110:
ICBA Announces National Community Bank Service Award Winners
614:'Bank with a heart' thrives despite predictions of failure.
273:, community banker-activists Milton Davis, James Fletcher,
383:
983:"Cuyahoga Land Bank acquires ailing Glenville biz center"
637:"ShoreBank gauges success by profit and community impact"
340:
257:
A ShoreBank branch in Chicago's Bronzeville neighborhood
1080:", "SRI News", 2000-4-2. Retrieved on January 8, 2007
1091:
Ron Grzywinski and Mary Houghton: Community Bankers.
1216:"Regulators Seize ShoreBank; Management Takes Over"
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1112:", "ICBA", 2005-4-29. Retrieved on January 8, 2007
981:Jarboe, Michelle; Dealer, The Plain (2016-04-08).
1230:"FDIC settles ShoreBank lawsuit for $ 17 million"
784:"Regulators shut down big Chicago bank, 7 others"
404:ShoreCap Exchange, now named CapitalPlus Exchange
836:", "Short Circuit". Retrieved on January 8, 2007
1158:, "Short Circuit". Retrieved on January 8, 2007
662:"ShoreBank sees another $ 101M loss just ahead"
8:
759:"Feds seize ShoreBank, new management named"
650:, May 17, 2005, retrieved September 19, 2007
485:community development financial institutions
343:, is now a part of Palladium Impact Capital.
309:A ShoreBank branch on Mack Avenue in Detroit
21:
1195:, 2006-10-16. Retrieved on January 8, 2007
1189:"ShoreBank leaders had hand in Nobel Prize"
506:. Yunus and Grameen Bank were awarded the
20:
1156:How a Bank Can Transform a Neighbourhood.
603:", 2006-6-1. Retrieved on January 8, 2007
360:National Community Investment Fund (NCIF)
834:"How a Bank can Transform a Neighborhood
601:Investing for Triple Bottom Line Returns
576:", "Motto". Retrieved on January 9, 2007
453:Independent Community Bankers of America
355:Center for Financial Services Innovation
537:
790:. The Associated Press. Archived from
732:"Regulators Close Chicago's ShoreBank"
16:Community development bank (1973–2010)
871:"Our History - Beneficial State Bank"
239:Federal Deposit Insurance Corporation
7:
494:in the 1980s, ShoreBank worked with
357:, now named Financial Health Network
191:ShoreBank had branches in Chicago's
1330:Community development organizations
1214:Fitzpatrick, Dan (21 August 2010).
586:Developing International Economies.
1340:Defunct banks of the United States
1325:Defunct companies based in Chicago
1315:Bank failures in the United States
1141:Chicagoland Chamber of Commerce. "
1005:Henderson, Tom, (August 23, 2010)
14:
782:Gordon, Marcy (August 20, 2010).
374:ShoreBank Enterprise Cascadia in
1049:Profits with Purpose: ShoreBank.
660:Daniels, Steve (April 2, 2010).
498:to advise him on the growth of
401:ShoreBank Neighborhood Institute
27:
1013:Retrieved on September 6, 2010.
757:Guy, Sandra (August 21, 2010).
461:Chicagoland Chamber of Commerce
394:acquired the enterprise center.
221:, though it was not engaged in
1300:Metropolis Research Consortium
1:
1287:Harvard Business School Press
730:Selyukh, Alina (2010-08-20).
313:ShoreBank Corporation is the
227:Troubled Asset Relief Program
184:founded and headquartered in
1350:Banks disestablished in 2010
1095:U.S. News & World Report
937:"Message from the President"
698:Roeder, David (2010-08-06).
440:U.S. News & World Report
1023:Fund, Detroit Development.
875:www.beneficialstatebank.com
449:Mendoza College of Business
283:Comptroller of the Currency
1371:
847:"Milton Davis's Biography"
681:"Bank Rescue Down to Wire"
182:community development bank
40:Community development bank
1345:Banks established in 1973
363:Northern Initiatives, in
26:
1218:– via www.wsj.com.
1193:Crain's Chicago Business
1011:Crain's Detroit Business
894:Palladium Impact Capital
700:"ShoreBank on the brink"
666:Crain's Chicago Business
599:Iowa State University. "
483:inspiring a movement of
445:University of Notre Dame
271:racist lending practices
685:The Wall Street Journal
648:Northwestern University
646:, Medill News Service,
514:Loan Portfolio Troubles
490:Under a grant from the
341:ShoreBank International
1320:Banks based in Chicago
1273:University of Arkansas
914:"News about ShoreBank"
832:Douthwaite, Richard. "
624:Savannah Morning News.
589:ShoreBank Corporation.
422:
310:
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243:Urban Partnership Bank
74:Urban Partnership Bank
1283:Community Capitalism.
1154:Douthwaite, Richard.
635:Marshall, Katherine.
474:Former President and
416:
335:Beneficial State Bank
321:ShoreBank Pacific in
308:
256:
170:SBK.com (Archive.org)
161:ShoreBank Corporation
1069:First Sustainable. "
217:were related to the
1248:problembanklist.com
1232:. 19 November 2015.
1167:Clinton, William. "
1121:Clutter, Charles. "
962:"News on ShoreBank"
771:on August 22, 2010.
346:ShoreCap Management
23:
1174:2006-09-18 at the
1128:2006-12-23 at the
1076:2007-02-10 at the
1054:2008-12-06 at the
1029:www.prnewswire.com
967:2011-01-09 at the
888:ishan.perera.enc.
794:on August 22, 2010
642:2007-10-12 at the
550:2016-11-16 at the
423:
392:Cuyahoga Land Bank
331:OneCalifornia Bank
311:
293:finance industry.
259:
208:triple bottom line
130:Financial services
1271:Fayetteville AR:
1250:. 21 August 2010.
1099:12 November 2007.
851:The HistoryMakers
764:Chicago Sun-Times
705:Chicago Sun-Times
612:Carpenter, Dave.
508:Nobel Peace Prize
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463:, and Governor
434:Business Ethics
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315:holding company
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263:South Shore
1309:Categories
1035:2022-01-16
992:2022-01-16
899:2022-01-16
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743:2010-08-20
716:2010-08-06
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532:References
504:Bangladesh
380:Washington
327:Washington
95:Key people
65:Insolvency
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