Job Description: Business Banker
I frequently hear lamentations about the gap between the performance expectations of community financial institution (FI) personnel and performance results. A frequent challenge is that performance expectations are not documented […]
What’s the “Process” of “Process Management”?
One of the adages that became popular over the last decade is “Manage the process; Measure the results”. Executives have found that, like most such “easy to roll off the […]
Capital and More of It!
The regulatory definition of “well capitalized” has not changed post financial crisis. Tier 1 leverage ratio: 5% Tier 1 risk-based ratio: 6% Total risk-based ratio: 10% So where is all […]
Mortgage Banking: How profitable should it be?
I recently spoke to an old friend that is a bank equity research analyst and asked him how his coverage universe was doing with second quarter earnings. He said his […]
Guest Post: Second Quarter Economic Update by Dorothy Jaworski
Second Quarter Surprises We received two big surprises at the end of the second quarter — one from Washington and one from an ocean away. On June 28th, the Supreme […]
Random Stuff About Me
A tweep of mine, Ken Mueller (@kmueller62), posted an interesting bio-post titled “Random Stuff You Should Know About Me” on his Inkling Media blog. I saw his reference to it […]
How stable are your deposits?
I am attending the Financial Managers’ Society (FMS) Forum in Las Vegas this week. The Forum is chock full of education opportunities for banking finance professionals. One session caught my […]
Data Driven Strategy
You recently read an excellent book on strategy. Your financial institution faces challenges… economy is crawling at road-kill pace, customers struggling to remain current on loans, regulators breathing hot and […]
Grow or Die. Really?
Grow or die. Acquire or be acquired. Build it or kill it. And so go the banking platitudes. Now, perhaps those that invoke these phrases have strategies that compel them […]
Sweat the big stuff: Interest Rate Risk
I have been thinking about interest rate increases for some time now. The Fed lowered the Fed Funds rate to a target of 0 – 25 bps in December 2008. […]