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Recently, I read an article about the Ohio State Buckeye football team and how several of the players had been asked at the NFL Combine to recount their experience of the 55-24 loss at Iowa during the 2017 year that kept the Buckeyes out of the College Football Playoff. Basically, it would be the equivalent …
Recently, I saw a bank post on Twitter that they were running a promotion to spotlight their customers’ side hustles and it got me to thinking… a) What a great idea for a community bank to do! b) Just how important are these in our communities. If a bank is supposed to be a catalyst …
I love the efficiency ratio in banking. Sadly, this is not the geekiest thing I have ever written, but it is nonetheless true. In my humble opinion, it is the most informative ratio in all of finance with the possible exception of RoE in a DuPont context. (Now, THAT may be the geekiest.) What it …
We all know that the Community Reinvestment Act of 1977 (CRA) requires banks to meet the credit needs of the communities in which it operates. Other than the substantive changes in 1995 and 2005 and the public release of interagency CRA Questions & Answers, CRA has largely remained stable. But there is something brewing under …
Changing Demographics and the Impact to CRA (and Fair Lending) Read More »
The RMA Scholarship Committee and the RMA Board of Directors are pleased to announce the RMA Scholarship designed to subsidize a portion of the education expense for attendance of the Barret School of Banking. [su_spacer size=”50″][su_spacer] [/su_spacer] [su_button url=”http://www.southeasterncommercial.com/wp-content/uploads/2018/02/Scholarship-application-form-2018.pdf” style=”flat” background=”#2d88ef” color=”#ffffff” size=”14″ radius=”0″]Download application[/su_button] Deadline: Friday, March 9, 2018 [su_spacer size=”50″][su_spacer] [/su_spacer]
Teenagers are prone to be rebellious. It is part of growing up and discovering “who you are” and all of that stuff. It is a time when we begin to listen to music that we doubt our parents would approve of, we begin to develop our own ideas about the world and the issues at …
If you were to spend any time hanging out with me, first, I’d feel bad for you! Be prepared to hear about guitars, music, college football, and pipes. Second, I would hope you would find me to be someone who likes to find “the new way of thinking about or doing something”. This is …
Personal Branding and the Lender…A New Way of Thinking For the Community Banker Read More »
Banking, like any other client-forward industry, is both extremely easy and complex. Though dated, the 3-5-3 rule (“take it in at 3%, lend it out at 5%, be on the golf course at 3”) does have a grain of truth in it. My inability to correct the slice in my swing aside, the math is …
Relationship Management: Take a deep breath and reevaluate Read More »
At the risk of throwing one more “Top 5 for 2018” blog post on to your feed, let me explain my reasoning. Before a bank (or any enterprise for that matter) can embrace any sort of cultural change, they must first identify honestly who they are, who they are not, the things they do well, …
5 Realistic Questions Community Banks Need to Ask for the New Year Read More »
“Now that interest rates have finally risen…” is a phrase I wrote in jest, a mere six months ago, in this very column. I can now use these words in sincerity. And your collection of investments is potentially the better for it. We have contended that while the discussion of portfolio performance in the board …
Muni Madness: A lot of variables affect tax-free performance Read More »
Barret School of Banking • 650 East Parkway South, Memphis, TN 38104
Phone: (901) 321-4000 • barret@barretbanking.org