Bank Super Bowl Ads 2012
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 […]
Let’s retake the mortgage market!
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, […]
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 […]
Leader Selection: “He’s not ready.”
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 […]
Guest Post: 4th Quarter Economic Update by Dorothy Jaworski
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 […]
Customer Service… blah, blah, blah
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. […]
In Pursuit of Return on Equity
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 […]
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 […]
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 […]
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 […]