The purpose of this paper is to develop a methodology that any commercial bank may use to determine the factors influencing its net profit fluctuations and demonstrate use of that methodology in a specific community bank. This methodology is appropriate when dealing with time series data from an individual bank. The paper also presents an approach that bankers may take in determining the relationships that may exist between each of the independent variables and the entire set of such variables. The authors are able to use this process to inform bank management of internal relationships between variables as well as to help explain the determinates of bank profitability. Bankers are able to examine the quantitative findings with additional insights given the level of expertise that posses...
Last month, nearly 120 bankers from across Kansas made the trip to Wichita for the Kansas Bankers Association's 68th Annual Bank Management Clinic. Jim Bearden of the Bearden Resource Group in Austin, Texas, told the bankers that while changes do impact their daily lives, it is the choices they make about them that are more powerful. Bearden, who bills himself as a leadership speaker, sales trainer and personal accountability leader, indicated everyone has personal accountability: acknowledged ownership of the choices made and the consequences those choices produce. Leigh Branham, founder and principal of Keeping the People Inc. in Overland Park, Kansas, provided the bankers with an overview of how to analyze root causes of turnover and employee disengagement, then develop and implement...
BETHEL TWP., Miami County -- When she woke up on Saturday, April 14, 2007, Julie Broerman was a wife, mother and career woman with experience in bank management and marketing for local businesses. The next day, Julie was a widow and the head of the heating, air conditioning and ventilation company her husband had started two decades earlier.
Issues discussed at the recent Kansas Bankers Association's 67th Annual Bank Management Clinic included modeling profitability, creating creativity, defining banking trends, understanding ethics in banking, and analyzing loan portfolio. Bob Treadway, economist and strategy consultant, showed bankers how to look into the future. The cone of relative uncertainty, Treadway's unique forecasting model, allows bankers to broaden their long-term views, make the future come alive, and acts as a test for strategy and possible action. Nate Rocco, senior manager, and Kent Allen, manager, both with Tshibanda & Associates, addressed the importance of establishing a business customer profitability model to not only improve customer segmentation and pricing, but also to have a tool that can help a...
Members of the Kansas Bankers Association gathered in June 2004 for their 65th Annual Bank Management Clinic. Why all the branches are back was the topic of a presentation by Joseph Sullivan, president of Market Insights Inc. The changes after 9/11 have driven people back to the bank branch, he said, emphasizing that this translates into increased competition, rate wars and banks often adopting a me-too strategy. Sullivan said 52% of Americans still use branches, as do 85% of Internet customers.
In spite of what may be a limitless line of small setbacks--or larger ones, like the economic crisis that hits just in time for grand opening day, or causes bank management to second-guess projects that are well in the works--Midwestern banks continue to build and renovate buildings. Telschow presents a look at lessons learned from five projects.
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