Insights

Are you Steering by the Screws?

This past year I was invited to join the faculty of the ABA School of Bank Marketing and Management (SBMM).  At first, I was a bit skeptical.  I always believed myself to be a left brain thinker, one that processes information in an analytical and sequential way.  Marketers, on the other hand, are thought to […]


What’s Happened to Bank Profitability?

The economic crisis has certainly taken its toll on the financial industries’ profitability and overall performance at many levels.  Without a doubt, deteriorating credit quality in investment and loan portfolios and fair value accounting have had a significant impact.  Staying safe and sound and preserving capital have become watch words for the immediate future. However, […]


How did we get into this mess and what can community banks do to get through it?

Much has been written about the current economic crisis, the worst since the Great Depression.  Unfortunately, many successful, safe, and sound community banks have been whitewashed by the bad deeds of a few and the misconceptions of many, including the media. Using the word “bank” generically to include large banks, small banks, mortgage brokers, insurance […]