Insights

Bank Super Bowl Ads 2012

February 5, 2012 | Uncategorized

First, check out this creative yet sleepy First Bank ad. If you need to go to the bathroom, feel free to do so: Amarillo National Bank puts their CSRs through a workout. This, my friends, is a training program: E*Trade, the gold standard for Super Bowl bank ads… speed dating. Awesome: Would my marketing readers, […]


Let’s retake the mortgage market!

January 28, 2012 | Uncategorized

Community financial institutions are grappling with the recent and pending mortgage rules. We fear the Consumer Finance Protection Bureau (CFPB) and government’s tendency to fire a bazooka at an ant, causing tremendous collateral damage. New rules aside, we were not that significant in the mortgage market anyway. Aggressive mortgage brokers hawking products and programs from […]


What Does Reviewing Strategic Alternatives Mean to You?

I recently read the following headline: “Next step for ABC Bancorp could be ‘strategic alternatives’.”  It could have read, “ABC Bancorp is out of options and should sell.”  [The name of the bank was changed to protect their identity.]  After reading the article, that message came through loud and clear. Since then, I asked a […]


Leader Selection: “He’s not ready.”

January 21, 2012 | Uncategorized

Financial institutions are currently struggling to identify the next generation leaders. Should we fall back on our old playbook, selecting highly “experienced bankers” that have been around and are likely to be the mantle bearers for the good old days, or should we think differently? The manner at which we choose leaders is not very […]


Guest Post: 4th Quarter Economic Update by Dorothy Jaworski

January 13, 2012 | Uncategorized

Before looking ahead to 2012, I can’t resist the traditional temptation to look back at the past year. The markets in 2011 were dominated by earthquakes and the tsunami in Japan, spikes in gas and oil prices, historic Federal Reserve actions where they “promised” to keep rates at their current low levels until mid-2013 and […]


Customer Service… blah, blah, blah

January 7, 2012 | Uncategorized

My family recently shopped around our homeowners and auto insurance to ensure we were getting a fair shake. We used to use an insurance agent for life, auto, and homeowners. I place value in having an agent because they have access to a number of insurance companies (if an independent agent) and should have our […]


In Pursuit of Return on Equity

January 4, 2012 | Uncategorized

When performing ratio analysis to determine a company’s profitability we should remember that a ratio has at least two data points: a numerator and a denominator. It doesn’t matter if it is banking, retailing, or widget making. In banking, the standard profitability ratio has long been return on equity (ROE). That is… until the financial […]


Hard to Believe it’s Been 10 Years!

On November 1, 2011, The Kafafian Group (“TKG”) celebrated its 10 Year Anniversary as an independent company.  But actually, our history goes back to the early 1980’s. TKG HISTORY The seeds of TKG were planted at First National State Bank of New Jersey (“FNSB”) in the late 1970’s.  FNSB was eventually merged into First Fidelity…First […]


Risk Oversight, Capital and Imperatives for a More Engaged Board

The economic smack-down we have weathered since 2008 has emphasized the importance of the Board of Directors’ responsibility for risk oversight.  We have seen an over-reaction to the excesses that precipitated this recession through the passage of Dodd-Frank, the implementation of a number of regulatory “reforms”, and the press reports stressing how banks have gone […]


What Kind of Board of Directors Does Your Bank Have?

As a result of the financial crisis and subsequent recession, Board oversight has become a more significant issue to both regulators and shareholders.  Proper corporate governance and the role of the Board of Directors is an often debated subject.  Regulators are increasingly asking for Board and management studies to determine if the “right” people are […]