The community bank survival guide: overcoming the challenges of an increasingly competitive marketplace
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Buch |
| Sprache: | Undetermined |
| Veröffentlicht: |
Chicago
Irwin Professional Publ. <<[u.a.]>>
1997
|
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | XIV, 152 S. |
| ISBN: | 078631107X |
Internformat
MARC
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| 100 | 1 | |a Austin, Douglas V. |e Verfasser |4 aut | |
| 245 | 1 | 0 | |a The community bank survival guide |b overcoming the challenges of an increasingly competitive marketplace |c Douglas V. Austin |
| 264 | 1 | |a Chicago |b Irwin Professional Publ. <<[u.a.]>> |c 1997 | |
| 300 | |a XIV, 152 S. | ||
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Datensatz im Suchindex
| _version_ | 1804144618122510336 |
|---|---|
| adam_text | CONTENTS
Preface xiii
Chapter 1
Eliminating Tradition: Change, Change, Change 1
Recommendations 7
Chapter 2
What Is a Community Bank/Thrift? Can It Survive? 8
Recommendations 10
Chapter 3
Visioning: The Importance of Strategic Planning for Survival 12
Visioning 12
The Mission 14
Goals and Objectives 15
Action Implementation Plans 17
Replanning 18
The Strategic Planning Retreat 19
Who s Responsible for the Strategic Plan? 21
What the Strategic Plan Should Look Like 21
Recommendations 22
Chapter 4
Bank and Thrift Holding Companies: Keys to Flexibility 23
General Concept 23
Protecting Yourself from Takeover 24
Redemption of Corporate Stock 25
Expanded Products and Services through Corporate Powers 26
Borrowing Flexibility 28
Recommendations 29
vii
viil Contents
Chapter 5
Shareholder Relations: If You Do Not Control Your Shareholders,
You Will Not Survive 30
Nature of Shareholders 31
Just the Facts, Ma am, Just the Facts 32
Understanding Your Shareholders List 33
Corporate Stock Redemption Policy 34
Finding Capital for Redemption 34
Looking for New Investors 36
Pleasing the Shareholders 37
Valuation of Your Securities 39
Splitting the Stock, Lowering the Book Value, and Raising the Market Price 40
Recommendations 41
Chapter 6
Community and Financial Leadership 43
Goals of the Directors 44
Senior Management 46
Staff 47
System for Community Involvement 47
Economic Development 48
Promoting Economic Development 49
Recommendations 50
Chapter 7 Survival through Internal and External Growth: If You Do Not
Grow, You Die! 52
Why Growth Is Important 53
Growing on a Compound Annual Growth Rate (CAGR) Basis 53
Strangling, Traditional Thoughts 54
Internal Growth through Branching 55
External Growth 56
Recommendations 58
Contents ix
Chapter 8
Cultural Change in Community Banking Survival 59
The Transaction Culture 59
Sales/Marketing Culture 60
What You Need to Do 61
The Importance of Directors in Establishing a Sales/Marketing Culture 61
The Role of the Directors 62
What Management Must Do 63
Recommendations 64
Chapter 9
The Significance of Profitability, Capital Adequacy, and
Asset/Liability Management to the Survivability of Community
Banking Institutions 65
Financial Statements and Their Importance 65
The CAMEL and MACRO Systems 67
Capital Adequacy 68
Asset and Liability Management 70
Recommendations 71
Chapter 10
The Burdens of Regulation: What You Don t Know and Do
May Kill You 72
Safety and Solvency Regulations 73
The Hot Button—Compliance 74
The Industry Has Changed 75
Civil Money Penalties and Administrative Orders 77
Regulation Will Not Go Away 78
Outsourcing Regulatory Compliance 79
Recommendations 80
Chapter 11
Utilizing Technology to Survive 81
Caveat—Beware of Salespersons 82
x Contents
Internal Computerization and/or Outsourcing 84
Productivity versus Cost 86
Recommendations 87
Chapter 12
What Services Do We Need? 88
Know Your Demand 88
Remembering Profitability 89
The Basics of Banking 90
Quality Service 91
Fitting Your Products with Your Personnel 92
Compensation, Commissions, and Commitment 93
Supermarket Banking 94
Products and Services to Consider 95
Insurance Powers 95
Securities Powers 96
Tax Preparation and Financial Planning 98
Leasing and Factoring 98
Recommendations 99
Chapter 13
Community Bank Survival and the Board of Directors 100
First Technique for Survival: Be in Charge 101
Bank Directors Duties and Compensation 102
Buying and Maintaining Management 103
Second Technique: Hire Competent Management 104
Strategic Planning: Know Where You Are Going 104
Board of Director Education 105
Recruitment, Retention, and Removal of Directors 105
Motivating the Management 106
Providing the Money 107
Selling Your Bank/Thrift 107
Compliance 108
Reviewing Examinations and Audits 108
Recommendations 109
Contents ri
Chapter 14
Management Competency and Compensation 110
Rationale for Competent Management 110
Director s Role 112
Friendships 113
Management Succession 114
Management Recruitment 116
Management Compensation 118
Management Fringe Benefits 120
Recommendations 122
Chapter 15
Board and Management Education 123
Reading Your Way to Knowledge 124
National, Regional, and Local Conventions, Conferences,
Seminars, and Workshops 125
Schools 125
Local Education 127
In-House Seminars 127
Educational Budget 128
How Much Education? 130
Recommendations 131
Bibliography 132
Chapter 16
The Future of Community Banks and Thrifts in the International,
National, and Interstate Banking and Branching Environment 134
Vision 134
Competency of Management 135
Where the Industry Is Going 136
Technology 139
Products and Services 140
Change, Change, Change 141
Buy Out Your Shareholders, Don t Merge 142
rii Contents
Salespersons 142
Regulatory Cooperation 143
Final Thoughts 144
INDEX 145
|
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| illustrated | Not Illustrated |
| indexdate | 2024-07-09T23:06:25Z |
| institution | BVB |
| isbn | 078631107X |
| language | Undetermined |
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| publishDate | 1997 |
| publishDateSearch | 1997 |
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| spelling | Austin, Douglas V. Verfasser aut The community bank survival guide overcoming the challenges of an increasingly competitive marketplace Douglas V. Austin Chicago Irwin Professional Publ. <<[u.a.]>> 1997 XIV, 152 S. txt rdacontent n rdamedia nc rdacarrier HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=021751344&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Austin, Douglas V. The community bank survival guide overcoming the challenges of an increasingly competitive marketplace |
| title | The community bank survival guide overcoming the challenges of an increasingly competitive marketplace |
| title_auth | The community bank survival guide overcoming the challenges of an increasingly competitive marketplace |
| title_exact_search | The community bank survival guide overcoming the challenges of an increasingly competitive marketplace |
| title_full | The community bank survival guide overcoming the challenges of an increasingly competitive marketplace Douglas V. Austin |
| title_fullStr | The community bank survival guide overcoming the challenges of an increasingly competitive marketplace Douglas V. Austin |
| title_full_unstemmed | The community bank survival guide overcoming the challenges of an increasingly competitive marketplace Douglas V. Austin |
| title_short | The community bank survival guide |
| title_sort | the community bank survival guide overcoming the challenges of an increasingly competitive marketplace |
| title_sub | overcoming the challenges of an increasingly competitive marketplace |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=021751344&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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