Remove Community Bank Remove Management Remove Reference Remove Taxes
article thumbnail

The top-performing community banks of 2021

Independent Banker

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.

article thumbnail

Community banks are thriving in Texas

Independent Banker

Ken Finley, president of Johnson City Bank, in downtown Johnson City with Shannon Sultemeier, executive vice president (left); and Brenda Haynes, vice president/cashier (right). Here’s how four community banks are thriving in this environment. Photo by Dennis Burnett. By Mindy Charski. Deepening roots.

Texas 182
Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

Managing Stagflation Credit Risk in Banking – Part III

South State Correspondent

In a stagflation environment, as interest rates rise and cash flow (earnings before interest, taxes, depreciation, and amortization (EBITDA), or net operating income (NOI)) decreases, the borrower’s capacity to service debt as measured by the debt service coverage ratio (DSCR) decreases rapidly.

article thumbnail

Book Report: Community Banking Strategies by Vincent Boberski

Jeff For Banks

This book does a deep dive into the weeds of balance sheet management. The author is very experienced in bank investment portfolio management. So his insights and analysis were critical to teaching me, and possibly you, about seemingly mundane yet important topics such as tax efficiency, derivatives, and BOLI.

article thumbnail

Banking's Top 5 in Total Return to Shareholders: 2018 Edition

Jeff For Banks

As a point of reference, the SNL US Bank & Thrift index total five year return was 45%. This is clearly a turnaround situation, as the bank lost over $12 million in 2010, over 20% of its capital (ouch). But once they turned things around they took their deferred tax asset back onto their books and did three acquisition.

Oregon 101
article thumbnail

Survey Finds Cost of Funds Top of Mind for Community Bankers

ABA Community Banking

Heated competition for bank funding is an increasingly important focus for community bank leaders, according to an annual survey released today by the Federal Reserve, the FDIC and the Conference of State Bank Supervisors.

Survey 49
article thumbnail

15 Minutes With—Les Leskovin

Independent Banker

IB: Along with its banking operations, Community National Bank manages about $250 million in personal and institutional assets through its trust and investment management department. We manage charitable and personal trusts, IRAs and, of course, settle estates. Tell us about that.