banks

Banks Versus Credit Unions: Much Ado About Nothing

June 21, 2013 | Jeff For Banks

Credit Unions don’t pay taxes! They’re trying to steal our business customers! I often quote Sun Tzu from his over 2,000 year old book, The Art of War. One of […]


Sweat the big stuff: Interest Rate Risk

May 30, 2012 | Uncategorized

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. […]


Banking School: The ivory tower could be yours.

May 21, 2012 | Uncategorized

I am sitting at Gate 124 in Orlando waiting for my ride home from a long journey. Prior to Orlando, it was Dallas. In Dallas, I taught bank profitability and […]


Risk Adjusted Return on Capital (RAROC) for Financial Institutions

May 8, 2012 | Uncategorized

How do you measure the profitability of lines of business, products, or customers? The simplest form is in dollars. But does that measure the profits against the investment required to […]


Banker Quotes: As Told to Me v3

April 21, 2012 | Uncategorized

I learn a lot from bankers as I visit their offices, speak to them on the phone or at industry events. Occasionally they will offer an insight that I think […]


Guest Post: First Quarter Economic Update by Dorothy Jaworski

April 5, 2012 | Uncategorized

The Fed Goes Too Far First, let me say, we owe the Federal Reserve our gratitude. Their actions to ease in many ways during and after the financial crisis averted […]


Job Description: Branch Manager

March 4, 2012 | Uncategorized

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 […]


Common Misperceptions: Community Banks are Beating the Behemoths

February 19, 2012 | Uncategorized

My firm constantly evaluates industry trends and happenings to formulate what we term our Industry Overview. Although a constant process involving hypothesis, research, and re-evaluation, we center our thinking annually […]


Best Book Ever on Word of Mouth and Direct Mail Marketing

February 11, 2012 | Uncategorized

I hope the title of this post compelled you to read its contents. If so, I suppose you are expecting me to offer my opinion on the most recent thought […]


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, […]