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Vigilant Eyeshades

Independent Banker

When John Zimmer took over as president of HNB National Bank in Hannibal, Mo., in 2012, he figured there was likely some fat to be trimmed. After Zimmer’s first year personally scrutinizing all expenses, HNB National had eliminated $402,000 in costs. Every community bank thinks it’s thrifty and cost conscious.

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Among the Last to Leave

Independent Banker

Army Infantry Platoon leader who became a community banking manager. It’s no different in community banking. When I returned home from the deployment, the support I had from my community was clear—the same way Think Mutual Bank supports its local community. By Jeff Sabatke. It was 1 a.m.

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Banking's Total Return Top 5

Jeff For Banks

In its latest investor presentation, BofI highlighted it''s expense ratio (operating expense as a percent of average assets) compared to peer as 1.67% versus 3.17%, respectively, and efficiency ratio (operating expense as a percent of total revenue) compared to peer as 35% versus 63%, respectively. Well done! #3. Coincidence?

Texas 79
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American Greed: Can being an honest broker be banks and credit unions competitive advantage?

Jeff For Banks

According to a 2012 Boston College Center for Retirement Research study , 63% of American males (why only males I do not know) participated exclusively in defined contribution (DC) retirement plans in 2007, up from 47% in 1992. I think, as a nation, we will need lots of help managing our money. Probably not.

Boston 86
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What SEC Filers Have Learned About CECL Implementation

Abrigo

Ours, who is Senior Vice President and Director of Credit Administration of Summit and its 32-location bank subsidiary, Summit Community Bank Inc., The bank originally considered mixing two methodologies – PD/LGD and cohort, but due to a lack of risk rating data, it would have only had data points for PD/LGD going back to 2012.

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Banking's Top 5 in Total Return to Shareholders: 2019 Edition

Jeff For Banks

It is the Mountlake Terrace, Washington holding company for 1st Security Bank, a $1.7 billion in assets community bank with 22 branches that encircle the Seattle Sound. Their vision is simple: "Build a great place to work and bank." It is the $888 million holding company for Plumas Bank. First Capital, Inc.

Indiana 78
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Banking's Total Return Top 5: 2013 Edition

Jeff For Banks

For comparison purposes, here are last year''s top five , as measured during December, 2012: #1. Bank of the Ozarks, Inc. #3. Access National Corporation #4. It supports the claim by highlighting its efficiency ratio compared to peer banks (38.7% Yet another niche bank for our Top 5. BofI Holdings, Inc. #2.